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~3k Gienah Coins for a Giant Heart at Atlas (?). Also important
Another 8k Sun coins for Berald, BiS Crew Member for Ghostship. Nice to have, but can wait
There is more, but I can't remember them all. :/
I know some tokens/souls are behind Gienah Coins. I think it was Atlas too.
The stuff you want is usually behind timed merchants. Keeping around 10k coins in chests is a pretty safe spot. It's not like you won't get any chests. 12x500 chests from the weekly event. Around 3-6 x 100 chests from adventure Islands. Maybe you even have some quests open.
Gienah's Coins: https://lostarkcodex.com/us/item/58000146/#tabs-usedtobuy
Sceptrum's Coins: https://lostarkcodex.com/us/item/58000147/#tabs-usedtobuy
Arcturus's Coins: https://lostarkcodex.com/us/item/58000148/#tabs-usedtobuy
Ancient Coins: https://lostarkcodex.com/us/item/58000149/#tabs-usedtobuy
Sun Coins: https://lostarkcodex.com/us/item/58000150/#tabs-usedtobuy
Yes and no. I agree, that coins in chests have a higher value than Pirate Coins, but at the same time the pirate coins from quests/islands and so on are not enough with multiple alts. The weekly ship is/was to good.
You have to balance it out a bit. We have plenty of coin chest sources, especially with the event. Right now, you get like 8k-10k coins a week (adventure island, weekly event, sailing co-op).
I keep a certain amount of coin chests at hand, in case I see a timed vendor I need. Above that is converted. If I drop below that threshold, I start saving chests again.
This might change once the weekly ends, thou.