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I'm sorry I'm not sure I understand you? What do you mean "we already have enough money"? You need every penny you can get early to mid game, to develop the holdings, afford troops, and of course stress relief, prestige gain, and legitimacy. Activities tree perks only reduces costs for Grand Weddings and Pilgrimages. You are by far going to be doing feasts and hunts more. Maybe you start your games as an emperor or something I dunno, but still it's a no-brainer than Law legacy 1 far out values both Legacy and Activities for just how much money you will save doing hugely beneficial activities regularly.
I'm getting the impression that people who complain that the game is easy probably only play independent kings or emperor tier characters from the start. when that is the start, you likely do generate much of the money you need from the start. and you don;t need to worry about factions rising up against your liege and then besieging your lands in the process.
I try to become king fast then I do the tax activity, it give me a lot of money to do a lot of things (example it cost me 200 to do it and it give me 700-1000 gold)
So I find the 0.1 control more interesting
Legitimacy dynasty benifits for your foreign dynasty rulers, who are gaining renown for your dynasty by being independent, is incredibly beneficial.
Tier 2 is really weak, I agree.
Tier 3 unlocks the Espouse Legitimacy intent, which is great at farming a ton of Legitimacy at once.
Tier 4 reduces Claimant and Dissolution factions, which makes the realm much more stable, especially for your AI Dynasty Members.
Tier 5 is great, if you pick Stewardship or Martial. Or if you aren't Administrative, in which case you can get a better version of this with Education Hall.
I think this one is a bit underrated. The only thing Heroic Bloodline legacy track has over it are Legendary Watchtowers and Ancestral Claims (which to be fair are both strong).