I was thinking more for tournaments and just generally trying to get as high as possible. If the goal is just to sell as soon as possible, yes, Judy + cheapest 10 is likely the quickest. I haven't gotten too much further yet, but Chloe (nor anyone else) hasn't been as good later on as she is in that area.
You won't see the golden coins fly to the top of the screen when clicking. Probably to help prevent crashes.