Completely on board with ruler. With or without incentives, it makes much more sense to borrow alts against sOHM collateral on ruler than rari. You have to constantly monitor the market to avoid liquidation on rari, where as in ruler you pay the loan at the end of 2 Month period, your collateral is safe. Ruler is More like your credit card debt, pay on time for no penalty. Take loan against your sOHM, buy more OHM and put them for staking rewards. At the end if 2 month, sell your staking rewards to clear the debt. With ruler, the degen borrowing is more stress free than in other platform. I tested both the platforms, ruler works fine, easy to interact with the protocol and lending rates are reasonable.