Yeah, I'd think that if you're going against another FG gaining strategy you absolutely want to be gaining FGs even at the cost of less than maximal Chapeling. If you end up doing worse than just raw FG+Big Money that way, I'd guess it's because you don't get enough speedup to make up for the missing Estate points. I'd be really surprised if that were true, but it also wouldn't be astonishing if you didn't get huge gains. added: This is presumably the crux of WW's argument that you expect Steward to be straight better in a realistic environment - even without the eventual benefits Steward offers, you're unlikely to be able to use your Chapel as anything more than a glorified Steward anyway.