@bigblue The option you mention is there so that user requests do not get slowed down by the subsystem that downloads exchange rates.
If you set up a cron job trigger, then all the data downloads will occur on those triggers, rather than during user requests.
To set up a cron job trigger, simply set up something that hits the cron url periodically. How you do this is up to you. On most linux systems, its a simple matter of running curl on a cron. I believe cpanel also lets you do this if you don’t have shell access.
with regards