after losing over 200M at mmg on that account, I no longer use it. My HC account is otbeelf, though I only play every other day on it, though I can do a 5 day HCNP soon (nearly 200 lucre).
Anyway, as a muscle class, sometimes I may need to choose the moxie location when setting sail as its that point in the game where I nearly have the 65 moxie to equip black greaves. Otherwise, since the option is right in front of you, its optimal to go muscle stats than save a small amount of meat and wait for the gallery/clover.
lostcalpolydude's point on the crypt/azazel is a very valid one, and needs its own feature request thread regarding zone specific counters. How I play the crypt corners is that I boost NC and adventure till I get the noncombat in each zone, then move on to the next (as I am too weak to beat the boss), and then go back later with more stats/buffed to clear up the bosses (lich boss I use the item). For those that play every day, its not hard to remember which crypt corners you have had NC's with, but sometimes I've had even just a day or two break and I forget which corners I've prepared the bosses for. Azazel is a more an ideal zone for a counter, where we know that every 10th at the gate is an item, and 7th is a follow demon choice. Sometimes I have buffs on and I would rather use that turn elsewhere than waste it on getting an item, or just want to know if I can finish the quest on that day.