Everything about heroes.

I'll start by saying that the amount of money and experience in the chests isn't very different: if there are 500 experience points, the alternative is 525 gold.

Where do they make such chests? :) Usually, it's 1000/500, 1500/1000, 2000/1500. I don't really think about the first option: I always take gold, and for the other two, it depends on the situation (if I have the "Education" skill, I might use the last chest on the early stages of development for experience).

I take money if I have very little, if I can't take experience, and if the amount of money is MUCH (twice as much or more) greater than the amount of experience.

This is like comparing kilograms and meters.

Regarding 300+ lancers: it's usually very difficult to find such strong neutral creatures.

That's an equivalent. I'm saying that it's not difficult to find several stacks that will give you the same amount of experience.

As for the Campaigns, the maximum level is usually limited. Let's take, for example, "One Khan, One Clan." There, the maximum level for Kujin is limited to 20. This level is easily achieved without any chests that can be used to develop cities. And usually, there are enough neutral creatures on the map to compensate for taking gold instead of experience from the chests.

The higher the hero's level, the less benefit there is from the experience in the chests.