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I don't really do treasure fleets very much, but from what I've seen, the loot quality of them versus regular ships is not significantly different. If you're looking for good cargo, you're probably better off just heading to the Hinterseas. If it's for the challenge and/or fun, then Fleets are definitely the way to go. Although as I said, they probably aren't the best source for cargo. I may be wrong, but this is what I've seen overall.
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