the consensus I’ve gotten is that the MTXs are largely meaningless because they’re so easy to get in-game

I would push back on this a bit. Some of these items are easy to acquire small quantities of, but are not available in infinite amounts, such as (as far as I know) the fast travel tokens. I am 20-ish hours in, and I think I have 8 fast travel tokens, which means that I really just don’t use them, and hoard them for emergencies. Other items I’ve used CheatEngine to dupe, but I think most people (and obviously, no one on console) aren’t going to be able to figure out hex editors, and shouldn’t have to.