I try to keep my coconut or palm kernel oil down below 20%. I use tallow, lard, and olive oils primarily and add a bit of castor oil to boost the creaminess of the lather.
If I had your issues, I'd probably use an equal amount of olive to lard or tallow, keep my primary lathering oil below 20%, add castor at around 10% and maybe add a bit of cocoa butter.
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