I use the bulky setting for sheets, blankets, and towels (probably similar to towel setting) not because it washes differently, it doesn’t, but because it has different thresholds to consider the load balanced during spin, and spins it to different speeds. I want my washer to last, so I use it properly with big heavy stuff.

I also use the sanitary setting when I wash underpants and post-bidet towels, but that’s because it superheats the water. Everything else gets washed on tap cold, regular cycle.