In my experience of genning thousands of images with Chroma by now with many different versions across many different styles, especially focusing on realism, it does seem like Chroma v48 is best all-round with optional v48-detailed if you want to switch it up a little with the same prompt.
I also think v48-detailed can better for some specific prompts or styles so you should always try both initially but v48 should usually be the best one if you want any kind of a unique or realistic feel that Chroma was going for.
I know of the trick to increase the gen height and width by 128px to somewhat "fix" the newest 50/50a versions but at that point it should just be conceeded that something got fucked and that they didn't train it properly for the last 2 epochs.
So there either needs to be rigorous testing to show that 49 50 50a can be better basically every time with some specific gen parameters compare to 48, or those versions can't ever be "1.0" Chroma that they are now labeled as.