It is Interesting, If i recall correctly the cheapest pack that will allow you to get puerto rico is around 1k~ doubloons, 1k for a tier 10 sounds like a pretty good deal, but I cant help but feel like if you already own Puerto Rico, you've been playing long enough for the compensation not to really matter to you, in which case you'd probably (assuming you spend the doubloons) pick the steel
I guess it you could consider it an investment for when the next steel ship drops xD (assuming there are none that you want but dont have)