At low level, absolutely. Every copper matters, when you don't have any.How often does this kind of stuff really come up in game play for y'all? I rarely care about miscellaneous expenses - we just use the "cost of living" guidelines if that. Most of the time miscellaneous expenses like getting lunch and drinks are just hand waved because the extra bookkeeping just isn't worth it for me.
There's nothing wrong with counting literal pennies, but is it something you really use on a regular basis?
At higher level, when the PCs have become rich (or died trying) the minutae tend to be handwaved a bit more.