no. 2 is very very important... made my first 200k from a hatter card... should have been 500k...
and for additional easily doable low level hunting spots and drops:
A. poring island -> sapling, easy for wizards and ranged classes, easy enough to OHKO/2HKO too with mammo or bash. 1% chance of a 100-200k item called Ment.
B. porcellios -> card is good, other drops not so bad to NPCs and one is required for a certain high end custom quest, easy to kill.
C. desert wolves -> card is decent, 100% drop is used in a certain monthly repeatable quest, stilettos and katars are good NPC stuff, and can sometimes be sold to some people looking for mid-level equips
