m th point is very basic economics. if you have e.g $10 and you spend $5 on shloach manos and then you can only spend $5 on matnos levyonim. If you only spend $2 on shloach manos then you can spend $8 on matnos evyonim. It is called opportunity cost.
The point is spend a smalller amount on doing enough to fufil shloach manos and then you will have more matnos evyonim, and in almost all cases those recieving the matnos evyonim will need and appreciate the $ spent on them more than thos who recieve the ‘extra’ shloach manos.
The $10 can be $1000 or $1 mil, th point is the same. Shloach manos can be fufilled for a few $, then more can be given to those who need it.