I use Rubies(
https://wiki.project1999.com/Ruby) for major swaps, Peridots(
https://wiki.project1999.com/Peridot) for simple hand-offs of plat to my alts. Only concern, as I found with my Ogre ShadowKnight, is that shitty faction/charisma will net you much less value per gem.
Items I have Drop Transferred:
https://wiki.project1999.com/Bioluminescent_Orb
https://wiki.project1999.com/Runed_Bolster_Belt
https://wiki.project1999.com/Shield_of_the_Water_Dragon
https://wiki.project1999.com/Tolan%2...od_Breastplate
There is no worry and no threat. Just pick a secluded spot, have both characters camped at nearly the same /loc, and REFRESH YOUR LOGIN SESSION by computer restart before beginning.
I'd drop transfer a Fungi this way if i had one. Foolproof unless the power goes out out in your house in between character swap, in which case Zeus hates you and wants you to suffer.