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EDIT on 11-2-2023: The project where this WHOLE topic is mostly summarized is located here: 'Crop duster lateral stability' simulation project by jhartung
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Try the link I gave to cweisheng here Boundary Layer Does Not Form - Except When Default Settings Used - #10 by DaleKramer
It should help explain what you are seeing.
I have chosen not to generally use feature refinements but I forget the actual reason that I don’t, I think it was because it was hard to stop it from refining edges where surfaces that are almost parallel meet.