She's saved me a couple of times with a timely Health Kit during combat.
She's alright in my book.
But you can tell that she's not actively scrounging items from the battlefield. It's sort of just a cooldown that determines when she'll give you something (along with a few other factors).
And the constant coin toss prompts are way out of hand. That interaction should only happen about half as often. You can tell she isn't actually picking up coins you missed, either. It's just a counter that ticks up when there are coins around.