I know a bunch of you people like to be obstinate, but Frodo's right on one part of this.
The only BODs really worth banking are the LARGES, which give 20% bank value, not 2%.
****The smalls are DELIBERATELY low value, because they don't want a system where turning in the smalls individually will give you a better reward than filling and turning in the large.****
For example, someone who thought that smalls and larges worked at the same percentile (instead of larges being worth 10x the smalls) erroneously posted yesterday that small BODs would make larges worthless, because there are plenty of smith BODs (Ringmail) where the smalls are each just 200 points less than the large, so 4 550 point BODs would give more points than the 750 point LBOD they were in (WRONG. the smalls would be 11 points each, and the large worth 150 points to bank).
It's a deliberate feature, and the only thing that makes the system workable. If you're gonna bank smalls, you're going to be doing it to turn junk smalls into tools, or be turning in HUNDREDS of BODs to get to a higher reward (not a good idea).
My personal opinion is that the tools need to be higher uses (as some of them ALREADY can be exceptionally crafted at 250 or more uses), and the talismans/maps need to be reduced in point cost. Also, that rarer raw materials and some of the event recipes need to directly be rewards for some of the non-metal skill BODs. (random mining gems, random ML ingredients, etc.)
Now, what really needs fixed in the short term is that there are still too many items that are caught in the "not worth filling" department.
Simply, the problem is that in the BOD system, ALL SMALLS ARE EQUAL for the same base material. An Iron normal Dagger 10 is worth the same points as an Iron normal Plate Tunic 10, despite the 3 ingots vs. 25 ingots per unit. Always has been. Similarly, a leather cap exceptional 20 small (2 leather each, and most tailors can do 100% within hours of character creation) is worth the same as a Bone Armor exceptional 20 small (12 leather, 10 bone, and not even a 120 Tailor with a 30% exceptional talisman can do 100% exceptional).
It's in the LARGE BODs bonuses where the differences in costs get adjusted - at least more noticeably in Smith BODs (which is why, for example, the Fencing BOD, with 1 item only available through crafting or weaponsmiths (which used to not be part of the BOD system), is worth more than the larger BODs where you can buy everything from the blacksmith; or the smaller chainmail LBODs are worth more than Ringmail)
There isn't an easy way in the current system (which would have to be completely replaced) to have small BODs adjust for additional materials other than the base material used by the skill (food materials for cooks, reagents for scribes and alchemists, metal for tinkers, wood for carpenters and fletchers). Only LARGE BODs have that flexibility, and it appears that they weren't examined closely enough to properly adjust them in the rush to get them out.
There's too many BODs (large and small) that require ML ingredient/gem items that were left in, but undervalued (a shortbow LBOD should be worth a LOT more, given the number of ML gems that are required for 3 or 4 of its smalls - and that's just using a low-end example from my own pulls). This isn't as much a dealbreaker for the larges, but they really need to be worth the expense.
They need to be revalued to take into account this difference - and, frankly, so do the Bone LBODs for Tailor (they and the studded are both worth less than the 6-parters because of size, but BOTH use more material, require MUCH higher skill, and Bone uses a material that prevents recycling, to boot!).
@Kyronix , care to take a look at this?
Basara, Stratics UO Craftsman moderator and author/editor of many of the Stratics Crafter guides.