Keep the Change
Location
Required Items
Rewards
What the allowance actually buys
One allowance here buys 36,390 EXP, the best of the 6 Lv 25 Goldsmith tradecraft leves that record EXP: the runner-up manages 25,250 EXP, 31% less.
Across that rung the return runs from 18,490 EXP to 36,390 EXP per allowance — 4 distinct figures spanning 97%, so the wrong pick leaves 17,900 EXP of the allowance unspent.
On whether to wait: the best Lv 30 Goldsmith tradecraft leve returns 67,730 EXP per allowance, 86% more than the best on this rung, while the Lv 20 rung behind tops out at 21,600 EXP.
At Lv 25 this data holds 52 leves paying EXP across 2 categories: the 48 Tradecraft ones average 31,772 EXP per allowance, the 4 Fieldcraft ones 204,269 EXP, which puts this leve 15% above its own category's average.
Fluorite Earrings ×1 is a Lv 28 Goldsmith recipe, 2 steps deep through 2 intermediates, costing 5 units of raw material and 9 crystals.
Handing that in returns 7,278 EXP and 97 gil for every unit of raw material the order swallows.