Second version Its not a better version, its different, its final epoch of training is 8, i think its a little bit overfitted, but still can produce a good resultate, u can try it and choose version
Concept spread pussy under clothes is about presenting pussy but under clothes like pantyhose,jeans,legwear,shorts and panties,to use it with lora describe what clothes did character wear like character Ganyu from Genshin impact wear pantyhose, so just write it like that <Lora>,pussyunderclothes,black pantyhose, no panties,<Chr Lora>,tag activator.
Also lora can draw under panties so just write it,but delete all clothes in bottom body:jeans pantyhose,legwear etc.