Well if you have to much cash and you don't enjoy using Treasure Searcher then don't use it.
Also I wouldn't worry about playing no losses for you first game,try to minimise losses by all means but don't go overboard.
Personally I don't see how you could possibly have to much cash as you can turn cash into crystals and runes on Montero. With the Neatness ability you can also turn items you don't need into even more crystals/runes. (which means I buy every item I find) I spend my money on everything I want but go easy on extra runes, you can skint yourself quite quickly!
And yeah there is a relatively cheap spell called Awaken Dragon, I'm playing a warrior to and I start many battles with what would be a 3 turn rest Lava Call, then immediately wake him up and get him to search for treasure. If most of the enemies die easily I then use him twice more on turn 2, which means I now have all 3 chests. By always casting this spell after using a multi turn rest power, I never have to wait for him, and can use him up to twice a turn.
Daniel.