We're running a GTX 1650 but when we set up to bake the lighting it was going to take 48+ hours... The level geometry is really bashed together (each "tile" is dozens and dozens of models and the average tri count on screen without fog was between 8-10 million) and we had no time to optimize. So the lighting is real time directional lighting with global illumination! We'll check out that setting you mention (we were also learning how to use Unity while we made this).
One of the things we'll be doing over time is rebuilding the models based on the kitbashing we did to bake lighting and make the game more playable for people with lower end machines.
Thanks for your comments!