Im honestly more surprised at how low you rank 3 than how high you put 4.
3 was the one where you had to trade some asshole a Yoyo card. Which pretty much killed it single-handedly. He wanted a Yoyo of a specific letter, whuch I didn't have, and couldn't remember where to find the enemy. When you finally found the SOB, you had to like 10 or S rank them to get them to drop the card, and chances are they were gonna drop tje other enemy's card instead. Which was total BS because IIRC this was during the main plot.
Not that having to sacrifice chips in dungeons was much better, but this yoyo affair was enough to drop the whole game to last place, if not for 1's lack of polish.
IIRC the one they were looking for you could just buy at one of the shops