Geospatial foundation models (GFMs) such as TerraMind provide strong multimodal representations for Earth observation, yet they are typically adapted to downstream dense prediction tasks with a single, fixed finetuning recipe. We argue that this default is suboptimal and that which component of the pipeline is adapted matters. We introduce KAO-TerraMind, a targeted adaptation framework that starts from the pretrained TerraMind-1.0-base and systematically studies three controlled factors on top of it, (i) optimisation, through stronger backbone adaptation with a higher backbone learning rate and weight decay; (ii) loss design, through a larger Dice term that emphasises overlap on rare crop classes; and (iii) decoder design, through a wider UperNet head with deeper-biased multi-level feature taps and increased dropout. Each variant changes exactly one factor, which allows its contribution to be isolated in an ablation. On [DATASET], the decoder-focused variant (KAO-TerraMind-C) performs best, improving over the TerraMind baseline from 78.44% to 78.90% overall accuracy, 40.82% to 41.13% mIoU, 52.57% to 52.80% F1, and 52.63% to 53.03% mAP. The loss-focused variant improves mIoU by 0.14 percentage points, indicating a benefit for under-represented classes, whereas stronger backbone adaptation alone yields no measurable gain in mIoU. These results suggest that, for dense prediction, adapting the decoder and the way multi-level features are read out from the frozen-style backbone is more effective than simply updating the backbone more aggressively. We release our finetuning code and evaluation protocol to support reproducible comparison of GFM adaptation strategies.
