Depends on your priorities in the matchup and your assessment of your role. Against NBN, for instance, you want a large cash cushion to soften the blow from Hard-Hitting News, so taking "money" Temujins that are click-inefficient (in the sense of not running places you actually want to go) but cash-profitable is just fine. At any point you want to be running a central to attack it, though (which happens earlier against, say, HB), putting Temujin on that central is click-efficient, because you're getting paid for doing something you want to be doing in the first place, even if on net you're making less money.
Later Temujins go on R&D, of course, because regardless of their strategy, late game involves finding agendas before they can. That's the convergence point. But knowing when you're in that late game and thus when to commit to the comparative expense (offset somewhat by Temujin) is a classic Netrunner skill-tester.