PBA: You make the assumption that this is a town with numerous minyanim…
I don’t agree with it, but I could hear that someone would assert that it’s more courteous to join a minyan, and then go around collecting, as opposed to just passin’ through.
Logician. I am unclear, is your second point assuming like your first point that there is only one minyan in town?
If there are multiple minyanim, I don’t see how anyone can say it is not courteous to collect without davening there, since that is the only way to go to all the shuls. If your problem is with collecting during davening at all- say that.