InEffect: Well yeah. That's the reason you don't drag crisis for too long.
Sure, and it's possible I dragged it a little too long. But I wanted to. Because earlier I did the chapter too quickly, apparently, which meant that some things that happened in my first playthrough didn't, like the wizard getting attacked by trolls. Plus, the chapter specific problems evaporate once the chapter has been solved, so that is kinda nice. At least that one did.
Looks like some quests that have high DCs will auto-succeed as well, if it's a unique problem for example. So putting those +5 coins into them is a waste (but I still keep doing it, haha). For example, the Grey Rebellion had a DC of 25 in my game. I got a combined roll of 24, but it succeeded. Looks like we merely need to put somebody on it, and it will be fine. Same with those 1-day Bald Hilltop events, at least from what I can tell.