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Depends on the dynamic range of your economy. If no player will ever amass more than 1000 currency units, you don't need a coin worth 10,000.
We do fine with 3, valued 1:20:1000. Most players have less than 20,000 currency units, and it's somewhat rare that someone has more than 200,000, so we don't yet feel a need to 'mint' larger coins. Shopkeepers make change intelligently, and the commerce commands are set up so you don't need to any math in your head. You want maximum player convenience on issues like this.
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