I'm going by what I remember years ago since I haven't verified yet if this got changed currently. Each priest event at Noer should allow you to donate TP in exchange of reducing the world difficulty, -10 world difficulty max per priest event, up to a maximum of 10k TP, that's half a Gold coin when going by the bank's Gold coin price (you can overdonate but that's technically useless), each 10 world difficulty increases the initial price of the ship by 1 Gold coin, up to 10 Gold coins, aka 100 world difficulty.
So yeah, technically it should be worth it. You donate half a Gold coin, the ship's price goes down by 1 Gold coin. However, ready yourself to save scum a lot if you wanna trigger this priest event multiple times as it doesn't happen very often.
If you're struggling with money, I'd advise to rent a horse and farm for Mutated Mushrooms inside a dead forest at an abomination land and sell these at the bank. There's many other farming methods you could go for depending on your trait build and all of them involve selling something, with the selling price going higher the bigger WIS stat you have (maximizing at 90 WIS, nearly doubling the selling price). If you have 10 Survival traits, you could try to make money off smoked meat, a type of quality meat you can cook by combining 2x meats + 1 wood, animal meat wields the highest quality, you can farm those meats from various places such as that tower, south of the monastery. If you have at least 5 Wisdom traits (and high enough total WIS stat along with a low Weak stat) then you can farm money by going into the street of Noer, interacting with some doors and choosing the 'Deceive' option to gain 2-4 copper coins per successful attempt (this is the safest way to earn easy money, you can do this as soon as you exit the sewer tutorial, but it requires a lot of save scumming if you don't have enough WIS stat and if your Weak stat is too high).
There's also another method you can use to earn a huge chunk of Gold coins not involving grinding, and that's by doing Milo's quest and taking
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to earn up to 15 Gold coins.