You might actually want Five Star Daydream instead, because, hmm...

Having a lot of money means you can buy things that are for sale, unless they stop being for sale. That's pretty useful.

Having ways of creating value means that you have easy access to valuable things, and sometimes those things are valuable because they're something no one else has, or almost no one else. I think sometimes that's even more useful than having a lot of money.

(As for the names, I'm not sure. Some of them come out pretty weird and I usually don't have an explanation for them.)

What's the downside of Five Star versus Four Star Daydream? No way one of them is just better when they're the same price. It looks like Four Star is creating money out of nowhere, like Motherlode, and Five Star is getting the money from somewhere instead, but what else is different? Other than the part you just said, about value not always being the same thing as money. 

Different things can be more or less suited to different people and situations without being better or worse for everyone all the time. Some people want the simplicity of not having to worry about where their money is coming from, and some people want the certainty of knowing exactly where their money is coming from, and some people want to live a kind of life where the difference between having a lot of money and having access to a lot of value isn't important, and I think you are planning to live a kind of life where that difference can matter a lot.

You're not wrong. I guess my concern is, with Five Star Daydream, how likely am I to end up in a situation where the answer to "can I afford that" is "no"? 

It generally won't be "no", but sometimes it will be "not yet". I think mostly in the same kinds of situations that slow down Four Star, though - times when the thing that's hard to find isn't resources to trade, but people to trade them with.

So, if a thing I want is available to buy in the first place, I'll generally be able to afford it, just like if I had Four Star? Except I'm getting the sense that sometimes I might need to go and "generate value" first rather than having the silver on hand, or just straight-out barter for it. 

Yes, exactly. And how you generate value will depend on circumstances and your other powers, but if you end up in a situation where none of the ways you have work for the situation you're in, you'll find a new way that does.