If you concentrate all your blessings in one area e.g. damage +12 (or +14 when you are a zenmaster), then you'll find out how really really expensive blessing can be.. Luckily, you can bless those dragon arrows to the hilt, use fletchery and each arrow is worth more than 5 million gold apiece..
As to your hit list, Oakenmir is a very popular target giving 10 mill exp.. For more of a challenge, you can try to kill the lich Gezzerd'Ra in Skull Castle for 2.4 million exp (you have to use the mavin sword, and be very persistent/creative)..
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