I think that is the conclusion I came to in the last line of my opening post.
Is this like in many other areas of the game , any bonus is so miniscule that its not worth  getting them? 
 The other two suggestions are non starters for me,  the buff would be a waste as I was only fractionally in the red, I had picked up some troops from Loki's chest, getting rid did the trick.
Runic coins, dont make me laugh, they are off limits on the top shelf, except  for the fact a few have fallen  now and again, they are off limits to lowly players.
Everything should  open  and available to every player, such that a worthy amount might be accumulated  by the time their need is more appreciated.
My shaman are stuck, because  the levels are set so high,I can't win any charms , and the offers suck.