I've got areas of my city in which the EMI has become so high, that SMF detectors, and SF detectors running up to around 15 khz are pretty much unusable. For example, I can't use my 12 khz Simplex on those sites, unless I reduce the sensitivity so much, that I get very poor depth. However, with a Selectable SF detector, I've found that 20 khz and higher, is generally outside of the range of current EMI (for now).
On land, I'm mainly looking for deep silver coins. So what I do for each site, is deeply bury a silver dime on edge (IMO most coins in the ground are on edge or edged), then use whatever SMF mode or SF hits it better. Typically, SMF is out of question due to high EMI, and 20 khz or higher hits it very well, and with much less EMI interference. I could go up to 40 khz, but the higher the frequency, then the more tiny bits of metal will be detected. I'm looking at you foil! lol