I don’t have a solution for you, but I just wanted to say that z-hopping sometimes causes more defects than without, in my experience. With my extruder at least, it’s more likely to leave behind a blob if lifting, while with a classic retract+wipe the nozzle stays “plugged”. I also used to get mad at the nozzle going through a layer and leaving a mark, but then realised that it really doesn’t matter unless it’s a top layer. You also save a little little bit of time by not z-hopping.

I do hope you find an answer though, everyone should print with whatever parameters they like :)