If this (from almost a decade ago) is still accurate, then I think either my suggestion of recharging 1 day/7days was still too fast, or else my impression of what was causing vacation to feel long was unfairly split between the recharge rate and the max bank, when it ought to have been exclusively or nearly exclusively directed towards the gigantic max bank
If vacation recharges while one is on vacation, though, then I take that back: the recharge is way too powerful