Quote Originally Posted by Iceglow View Post
...you can actually retrieve a [Character] or [GF] card refined on disc 4 however it is not so simple as they make it sound.

To begin, you must have completed both the Queen of Cards and the Garden Card Club side quests in full.
You don't need to have completed the Queen of Cards quest to get the CC Club on the Ragnarok in Disc 4. You only need to have done to the CC Club quest. I'm very sure of this because I never bothered to do the Queen of Cards quest properly, I always just challenge her outside her escape pod. Also, I do believe that if you challenge her in this way, she'll always use ALL rules existing in every region at the time so if you've only abolished Random in Trabia but not Dollet, it'll still come up.

I also rarely go through the tiresome ordeal of abolishing rules. In my opinion, Random isn't that bad of a rule. It makes the game interesting. If I lose a few good cards, I'll keep playing until I get them back. If I go on a really bad losing streak, I'll reset, but that's rarely the case because the good thing about places that have Random is that it's never a rule on it's own. It's always coupled with Same or Plus or both which can give normally pathetic cards the potential to be especially potent. Open generally spreads easily without any extra effort required of you, so strategy is easy to map out because the AI can be pretty dumb. Admittantly, playing the Queen at the escape pod is really hard with Random in place because she uses 5 rare cards whereas everyone else in the world will only use a maximum of one.

But in reference to the original question, I'd say it's worth it to refine cards like Laguna's (100 Heros), Bahamut's (100 Megalixers) and Brothers' (10 Adamantines). The former two really only if you plan on taking on Omega Weapon, for which they aren't a necessity but are useful nonetheless. The latter is good if you want to save a little bit of time getting the required items for Squall's and Selphie's best weapons. Refining any of the other cards isn't really worthwhile given the difficulty of reclaiming them from the CC Club on the Ragnarok though I think each player uses a different location's set of rules, so maybe the player who uses Balamb's rules can be targeted.