We already have time saver voyages to get things at Outposts for doubloons. Things such as ritual skills, ashen chests and so on.
I propose a little extension to this, adding a few more items you can unearth to save a little time.
They would be...
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Empty Rowboat (Dig it up and push to sea)
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Empty storage crate
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Normal empty chest.
These items are really easy to find just sailing around so paying doubloons to get them doesn't imbalance anything, it simply makes things more convenient and actually makes doubloons a currency you would use instead of just purely cosmetic things.
You still must go and gather resources and so on. A rich player won't have an infinite head start over anybody else, as doubloons are easy to come be and the items themselves can be found pretty easily.
It's simply a more practical time saver similar to the current voyages on offer now.
Can't see it doing much harm although no doubt I expect some would take issue with this.