50% of the time is acceptable early on. If you get lucky and a high stat experienced team mate is on the team that will go up.
One part of the loot tables apparently is a score your accumulate that also relates to looting in game. Now here is where a big problem crops up for a new player in pug games. You should be trying to get every clay pot and every chest you can to stock up on the gold. However your team mates may be speed runners who ignore chest and pots. Makes it tough for new players to get revenue.
Perlious dragons is a good news bad news kind of thing.
The good news is you generally get more exp in a match and as you state get a chance at better weapons.
The bad news is the matches take longer generally, the map is buggier with more chance for crashes and such and the map is simply harder with pugs imo.
You can now get dragon items from regular chests as well.
There really is no perfect answer, now that your feet are wet in perilous, just keep playing it and getting as much gold as possible.