welcome to the forum,
about your config, most of the values do not belong in the config file.
for example, vfs_cache_mode = minimal does nothing, remove that and add it to the command itself.
if you had been using the vfs file cache, you would see an entry like this in the your debug log
DEBUG : Encrypted drive 'remote': vfs cache: root is "d:\\rclone\\cache\\remote"
checkers = 8 does nothing on a mount, so remove it.
no_checksum = true is not valid in config file
no_modtime = true is not valid in config file
and that applies to many other flags that do not belong in the config file.
afiak, in that case, rclone is not caching the reads at all.
i think you need vfs_cache_mode = full
also, if you plan to read-only from the remote, safer to use --read-only
fwiw, i have a summary of two vfs caches