Honestly, I'm not all that keen on the coffers in Savage frankly. It makes it far too easy for people to hoover up gear that they neither need nor will use, not to mention that it means that a well organised static can be fully geared and done far quicker than ever before. They aren't a magic fix all imo.

Regardless, what's wrong with using tokens? I've had to burn my first 10 before saving up for a mount many a time, it's just part of the progression imho.