I thought about that, but let's take human laziness into account: to toggle live comments you have to go to settings each time, leaving the post/comments you're reading and then go back. It might be cumbersome, but I can also be wrong.

Just brainstorming, but what about a non-invasive dot/button at the top of the comment section, that lets you toggle (for this post or the whole site) live comments at will? This way the setting is not tied to your own account but rather to the browser you're using!

Or, you know, we can also have a mixed approach by having both a user-tied setting and a post-tied setting