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Just as observations, I view it as a combo.
There are several conditions, though that seemed to change some a few patches back. Ships like the colossus flag ship had a better chance of royals versus small level ships. EITC ships seem to be on a lower tear, though I have not done bad on sloops.
Higher level chests seem to drop if crew members have treasure sense and firing on ships you are sinking.
As stated before, its not worth the points if you can be patient a bit longer to buy your new ship. Eventually you have points in something you don't need with max money you can hold.
Truthfully, with cheating in gambling you can build what ever cash you need.
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