Hey Money Hunter, you asked for my PS smudge settings so here they are!
Smudge Brush Size: 10px
-SHAPE DYNAMICS-
Size Jitter: 80%
Roundness Jitter: 50%
Minimum Roundness: 25%
-SCATTERING-
Scatter: 40% | Count: 1
-TRANSFER-
Strength Jitter: 30% | Control: Pen Pressure
-SMOOTHING BOX CHECKED-
Pretty lengthy, haha, since Photoshop has a lot of options but it looks good! Ask me if anything's confusing :-]
(This is what I used for the Kirito banner, by the way. For any other smudge settings, I always get them from deviantART)
And I actually only use default brushes for smudging! I'm not too big on downloading brushes at all, so 99% of my smudging is done with the hard circle brush. You know what I'm talking about, right? If not I can take a screenshot of it for you :-]