Thanks for analysis. Very helpful.
What about DEFT?
It adapts a pre-trained weight matrix by decomposing its update into two components with two trainable matrices: (1) a projection onto the complement of a low-rank subspace spanned by a low-rank matrix, and (2) a low-rank update. The single trainable low-rank matrix defines the subspace, while the other trainable low-rank matrix enables flexible parameter adaptation within that subspace.