Yeah, worrying about the singular bonus from not using ten-leaf clovers shouldn't matter to most of you guys, since you couldn't even benefit from it right now anyway (It doesn't work unless you're under specific conditions - namely, in Hardcore mode, and you're not in that on your first playthrough)
Meanwhile though, ten-leaf clovers (They're disassembled clovers right now for you guys) are handy. You can use them to make them disassembled for a time, then use one of those to re-assemble them. They'll only trigger when they're assembled (Listed as "Ten-leaf clover" in your miscellaneous items). At which point, when you adventure in an area where they trigger a special adventure, they are guaranteed to give you that adventure and then vanish from your inventory.
There are three spots that are particularly worth the clover; although the second two are simply accelerators - only the first one listed here is a necessity.
During the optional
quest, you'll need them to
During the final quest, they can
They can also be used for powerlevelling if you take them to
.