I also prefer the dungeon running, and even more than that, old xp pt play (which is sadly gone the way of the Dodo) but ...

Clear your hunting logs for seals, it's faster than anything else. Turn in dungeon loot for seals, if your not going to be using it yourself of course. You can't base your rewards purely on the payout at the end of a run, you need to look at all the loot you get along the way too. You can sell some of the drops, trade some for seals, and overall the rewards are then better than fates.

As for running with new players that don't know what they're doing, or how to do it well, I hope that when they do these broken things you advise them as to the "right" way to play their role. I know not everyone listens, and believe me I've experienced my share of the "STFup I know how to do my job, learn to do yours." 3 year old's attitudes thrown at me. It's the ... joy ... of DF/Roulette.

By 50 gil is actually less of a concern than one might think, Tomes for most of your gear, Seals will be something that you will find yourself not caring about very much but getting in spades, Gil is more than anything a matter of repairs and getting food.