Croesus
Adventurer
You might be missing that the choice to use the die is made after the d20 is rolled. Turning misses into hits or a failed saving throw into a success is huge. In the case of the Lore bard turning a hit into a miss is also huge. In effect it's not just 1 roll, it's like affecting all of the character's rolls until it is used.
This is my take. Most of the time, when the bard gives a character an inspiration die, it doesn't have much effect. Because players save it for emergencies, it's usually not even used before the (edit) ten minute duration expires.
But those times when it is used...wow, it can make a huge difference. Just one example: we were fighting Zuggtmoy and the paladin blew his save against the spores, which would have made him an ally of the demon lord. I reminded the player that the bard had given him an inspiration die. The die was enough to make the save. If he doesn't make the save, we definitely lose the fight, and might have been wiped out completely.
When playing a bard, I always want more uses of the inspiration die. That said, the bard doesn't need the boost proposed.
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