Some remarks on your points:
1. It seems commercial should be the one you try to separate and have the highest land values. Both residential and industrial zones nearby seem to lower the value of commercial, and I think the distance to residential doesn’t affect commercial as much as industrial growth
3. Underfunding fire departments directly increases the chance of a fire (less prevention) so ideally you keep that at 100%
4. I prefer having lower taxes and saving money gradually over several years, for refunding power stations
5. Sea and rail affect industry demand, road and airport affect commerce demand
