Ignore the public leaderboard position. Embedding benchmarks are built from general-domain corpora. Your corpus is contracts, or clinical notes, or part numbers, or support tickets in three languages — and relative performance reorders substantially on domain-specific text. The leaderboard is a shortlist generator, not an answer.
Build a small evaluation set from real queries. Fifty to two hundred real questions, each with the passage that should be retrieved, is enough to rank candidates decisively. This is typically a half-day of work, and it is the highest-leverage half-day in the whole retrieval build. Without it you are tuning on impressions.
Check the practical constraints early. Dimensionality drives index size and memory. Maximum sequence length drives your chunking strategy. Whether the model can run on your own hardware drives whether your entire corpus has to be sent to a third party to be indexed — which for a private corpus is frequently the deciding factor and is often noticed far too late.
Multilingual is a separate question. If your corpus and your queries are in different languages, you need a model trained for cross-lingual retrieval specifically. A strong English model with a translation step in front of it is a different system with different failure modes, and usually a worse one.