In master mode, the difference at worst could be a loss of 7% (one for each accessoire) which I don't find that big of a deal in the grand scheme of things.
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ppowersteef
Schparks
not to mention the flat increase armor has is pretty much useless outside of normal mode.
GoldenTerrabyte
I feel the same, especially early game. Late game, when I have access to tons of farming methods, I'll bite and keep going for the 4% on all, or if it's one of my really casual Journey Mode playthroughs and I have infinite money, but otherwise the 3% modifier is still pretty good. Especially since I've been loving Melee Speed builds lately.
Daikonradish
Quick > Warding most of the time. 