I have long been a farmer. It is currently my highest skill. Along the way, I realized that in some cases (the big ones) it is actually better not to pay for your trees and some other plants. Payments like a basket of apples for strawberries is a no brainer, but when paying for yew or magic trees, this isn't the case.
Yew trees only have a death rate of about 1 in 10, as long as you are over 63 farming (3 levels higher than 60). This means that in order to save one yew seed, you would need to make 10 payments of 10 cactus spines. At today's GE price that is 255,700gp. Since the price of a yew seed is only about 70k, it clearly is best to just let that 1 in 10 trees die.
Even if you grow your own cactus, it is better to sell the spines and just buy more yew seeds. You still come out ahead. If you sold the payment for 10 trees, you could buy almost 4 more yew seeds for the cost of losing one yew tree.
Magic trees are also a loss to pay for, but the break even point is far lower at 1.25 deaths in 10. If you don't farm much, then it might be worth it to pay the extra gp for that bit of XP that you would save by not having the tree die.
For a more in depth description, you can also see my post on TIF.
Happy Farming
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