I have a cache of loot gems from MM and Daily Dice, though I'm reticent to use them because I dont know exactly what the "best" way is to optimize my benefit. What's the common wisdom on them? What exactly do they give you that's worthwhile? Should I hold them till endgame, or is it better to use them at low-mid levels where lootgen is more competitive? Are there certain quests that have a better potential for a good payoff with a lootgem, or is it just purely "open as many chests as possible in your window"? Do they affect Supply Chests from Challenges - ie, should I just fill my inventory with them, then pop a Loot Gem and open them all?