Why has Saturn stopped contracting gravitationally? The following text is from here:

The Jovian planets get their heat from the Sun and from their
interiors. Jupiter creates a lot of internal heat and releases this
heat by emitting thermal radiation. In fact, Jupiter creates so much
internal heat that it emits almost twice as much energy as it receives
from the Sun. The only reasonable explanation is that Jupiter is still
slowly contracting, almost as though it has not quite finished
forming.
Saturn and Neptune also appear to be emitting more energy than they
receive from the Sun. While we are certain Saturn is not still
contracting, it seems clear that Neptune is still contracting. Uranus
is the only jovian planet not emitting excess internal energy.

It make sense that the gas giants were formed from the force of gravity i.e. clouds of gas and dust particles contracted under their own weight, eventually becoming planetary bodies with solid core and gaseous atmospheres. For bodies whose bulk is mostly gas, it will contract towards its center and during such process, it will releases stored gravitational energy which will eventually convert into heat energy. Saturn is also a gaseous planet with rich gaseous atmosphere, so in theory, it should also contract under its own weight towards the center. So, why is it considered to have stopped contracting?
It is written here that Saturn has a different process for this internal heat formation because astronomers believe that unlike Jupiter, Saturn's formation process is complete and so, the heat energy is due to the falling of helium from clouds. Now, luminosity of planet (total power emitted by a spherical body) comes from the release of potential energy due to the gravitational contraction.
$${U = -\frac{GM^2}{R}}$$
$${L = \frac{dU}{dt} = \frac{GM^2}{R^2} \frac{dR}{dt}}$$
$${\frac{dR}{dt} = \frac{LR^2}{GM^2}}$$
Since, all the terms has non-zero value, there should be a non-zero value for the differential, even for Saturn implying that Saturn should contract with time. So, why astronomers believe Saturn's formation process to be complete (implying no further gravitational contraction)?
Related on physics.SE: What keeps a gas giant from falling in on itself?
The rate at which a planet contracts is determined by how much heat it can radiate from its surface and how close it is to the minimum radius allowed by electron degeneracy pressure (which is independent of temperature).
The contraction process is that heat radiates from the surface and is supplied by gravitational energy released by contraction. The process stops when the central pressure becomes determined by electron degeneracy at high densities. At this point the interior pressure decouples from the temperature (unlike a perfect gas) and the planet can cool at almost constant radius. The same process occurs in white dwarfs and brown dwarfs.
To first order, the radii of Jupiter and Saturn are similar and they have similar atmospheric compositions, so can radiate heat at a similar rate. But Saturn has far less gravitational potential energy to radiate and its centre reaches degenerate conditions earlier. In your equations you can see that $dR/dt \propto M^{-2}$ so Saturn contracts faster.
The equations you write down are essentially correct, but your statement that the terms are all non-zero is not. Effectively, Saturn is not luminous because of contraction, so $L \sim 0$ in these equations, and so is $dR/dt$ . The measured luminosity of Saturn instead comes from the residual heat in its interior and the chemical differentiation of helium and not through gravitational contraction.