How do I edit SPT settings? (e.g. bot difficulty / flea prices / insurance return time)

There are 2 options:

Manually

Navigate to `spt\spt_data\Server\configs` and edit files by hand using a program like Notepad++

GUI (Recommended)

Use a mod called SVM. It provides a graphical interface that lets you enable/disable/adjust all the settings in the configs without having to edit them by hand