England got really lucky as Ramsgate was built on an island that had 12 gold on it (6/4/1/1) and then the Albion transferred 4 more.
One thing which hurt the pirate fleet unexpectedly is Longshanks. She’s usually a great treasure runner despite her effect but Shadow explored the first island, hoping to pick up Ghostly Encounter. Which it did, along with 2 other UTs, meaning Longshanks couldn’t pick up the last coin.