This patch says the NTSC version had 75% EXP and 50% Gold income.
The NTSC-U version of the game was a casualty of the "stop people from renting games" thing. The game only runs at 30fps so I would recommend just playing the PAL version, which doesn't have this issue and runs at 25fps (so not a great loss or slowdown).
The grind can be pretty brutal on the NTSC-U version,
especially for gear (the endgame kind of ameliorates this by having a full set of the best gear for each character in the final dungeon, but the entire last quarter of the game is pretty deadly if you're behind on gear). One thing that wasn't changed was Seru XP, so magic is proportionally more useful in the NTSC-U version.
@OP Getting 90% of the treasure blind is really good though, and if you weren't using a guide for the Arts then doing as well as you did on the damage front is genuinely impressive, especially if you didn't have the Point Card. I think that may be part of why you felt the battles were dragged-out; if you didn't have your Super Arts or Miracle Arts available and didn't have your full set of regular Arts then you were going to be losing a lot of damage. There's a lot of fights you can just skip with the Point Card or with a Miracle Art rotation.
Incidentally, this game managed to escape the "if there is any voicework it has to be dubbed" rule that PSX and PS2 games were cursed with, possibly because the battle grunts were mistaken for generic noises. This game's voice cast is actually pretty significant: Vahn's VA is Takagi Wataru, best-known as the voice of Garrod Ran in
After War Gundam X (this is actually the voice he uses for Vahn); Isshin Chiba is Cort (I
think, he might be Cort's scientist offsider), the voice of Jin in
TEKKEN; Songi's VA Nagasako Takashi is the voice of Donkey Kong and the current JP voice of Big the Cat, as well as Greil in Fire Emblem. Noa's VA, Sugawara Sachiko, is particularly interesting, as while she occasionally has bit part voice work (most recently as Li Feimei in
Cardcaptor Sakura: Clear Card), she is probably better known as being a character designer, modeler, and drama camera designer for
Silent Hill 2 through
4.