I think it works fine as it is right now and honestly, when playing solo you just have to accept that it's not going to be as safe for you :p I don't think it makes a big difference in efficiency though, you just have to play im a different way from how you play in a galleon.
Since i play quite a lot solo, i've learned how to do it fairly well, and i'm usually more efficient alone than with random crews.
Other than that i think that unfortunately this could cause people to troll and grief randoms because they could just do everything in their power to make ppl leave before turning chests in, just to get more gold.
