Lochinvar KHB285N - Oversized and seeking efficiency / optimization advice

I have a relatively new Lochinvar KHB285N that is oversized and while I am not intending to make any changes to the physical setup at this point, I am seeking advice on how I can use the array of controls to my advantage to prevent short cycling and make the system as efficient as possible. The boiler is about 3 years old and replaced a similar model (was in a rush to get heat), so no calculations were ever made.

Background & Physical Setup: The house (including basement) is around 4000sqft, separated into 3 zones with DHW that has priority. Two of the zones have forced air and the other zone (basement) has baseboard radiators. The boiler is looped primary/secondary with zone circulators. The house is 100 years old and the main level has extreme heat loss. We are talking a few original lead windows and little/poor insulation. The final point worth mentioning is that we have multiple people living and working at home full-time so we are rarely in a situation where the entire house needs to go from 0 to 100 very quickly. The basement gets turned off at night, but the main levels are more about maintaining. We do have NEST thermostats we can always control remotely, if needed.

The problem: Given the fact that the boiler is probably oversized, I am getting a bit more cycling than I would like, especially during new calls and when the load is decreasing (1 or 2 of the 3 zones turning off). While zones do overlap on and off, it is very common for only 1 zone to be running at a time. In general, the system might modulate well at a constant temp for a few minutes at 10%, but then might decide to increase the flame dramatically, at which point the temperature rises pretty fast and usually touches or comes within 1 degree of the high limit – and occasionally will hit the high limit and cycle. We do have the outdoor reset enabled. All the other controls are pretty much set-up with the factory defaults (185 max SH setpoint with 10 offset). Again, it often fluctuates every few min up to 194 before modulating back down to 170ish, occasionally overshooting.

I understand that heating coils require high temps, but why are the factory default temperatures set so high to begin with? I read an article that condensing boilers should not be set so high to achieve 95% efficiency and that you need the return temperatures to be 140F or less to fully condense.

I’m not qualified to do handy work myself, but I’ve recently taken interest in this and I want to try to make the best out of my current situation. I am not looking to make any dramatic changes to the plumbing or add any additional equipment (buffers, etc). I understand the primary tools I have at my disposal at this point are features like ramp delay to limit the output, modulation to limit the speed at which the system modulates, and temperature/offset adjustments. My gut tells me that I should start lowering the SH setpoints down and limiting the output, but I am looking for guidance based on what I've described.

Are there any Lochinvar efficiency experts in the southern New York area? There are a lot of great HVAC technicians that do great work and can install a high efficiency boiler and follow the manual to speculation, but none of them seem to care about tweaking the controls to make the systems anywhere remotely close to 90 or 95% efficiency. Given my situation, I’d like to do what I can to both balance efficiency while prolonging the life of the boiler as much as possible. And advice would be appreciated! Thank you!