Even if you're not making porn, I've always had great luck combining LoRas with
pornmasterAmateur_fullV6 as my checkpoint. It's honestly one of the best one for people hands-down (the homoerotic variant can make women in suits really well, strangely enough! But unless you want accidental dickgirl generations, stick with standard amateur checkpoint lol). I make tons of vanilla things with it, just make sure you use modifiers to keep her shirt on because it will try to make her topless constantly and that is always a challenge lol.
STOIQO NewReality is also a good one for portraits, but it can be finicky with LoRas.
Here are my neg prompts for pornmaster, makes it work like a dream: (worst quality:1.2), (low quality:1.2), )(lowres:1.1), (monochrome:1.1), (greyscale), multiple views, comic, sketch (((bad anatomy))), (((deformed))),(((disfigured))),mutation hands, mutation fingers,extra fingers, missing fingers,watermark, ((cross-eyed)), (((nudity))), face missing, cropped, out of frame, semi-realistic, 3D, black and white photo, deformed hands, squinting, fused limbs, (too many legs:0.9), badly drawn fingers, amputee, fused legs, fused arms