Well yes, they do... Wallet Size trumps looks for a guy often enough. It is truly amazing to see how a woman looks differently at you after she finds out your net worth.
As to what you refer to as "duds".... I don't classify them all as duds... I know several very attractive women, who fall into that category... they just don't go out.... and when they do its with their family or friends they have known since they were children.. they never ever go someplace where they are likely to actually meet someone new.....
In fact the one girl would up dating her sisters husbands cousin, because honestly, he was probably the first single guy that she had talked to outside of work in years.... A little too incestuous for me... but whatever works.
I think its a shyness/self esteem thing for some folks who are more than pleasant... they just don't get out. Now the real duds are a whole other story... don't even want to go there.