...
after level 25, with these two perks, i saw an almost instant double gold from chests, and the chance for "valuable treasures" was 100%
every chest after that perk for finding more valuables was taken, ALWAYS had a flawless gem of some sort which sold for alot, and it was usually accompanied by a glass piece of gear.
so to say its not worth it/useless is stretching it a bit because a lot fo the gear can be used to sell for looooaaads of gold or to use it yourself, which is what i did when i found a staff in a chest that did added a load to destruction % damage and reduced destruction magika useage.
or that glass warhammer i found in a chest after that, that sold for 890 gold.
one time this happened to me; a chest gave me 1 flawless garnet, one flawless ruby, and 2 glass daggers. that one perk, made me about 3k gold off one chest lol...
I haven't gotten that far into the game (level 17), but do you ever really need all that money anyway? It hardly takes more than a few hours to buy a house, and between all the loot I've stored in it and all the gold I pilfer along the way, I keep wondering what I'm supposed to do with all the money I've got. Even when I occasionally find something that I want to buy and think it looks expensive, I just look at my gold reserve and think, "oh, guess I don't really have to worry about how much it costs."
I mean, I like having a safety net, but so far the game is like a slot machine that's rigged to win. I can't wait for mods that actually limit loot and lockpicks a bit (or a lot)... THEN maybe will all those perks in lockpicking mean something.