As a first step, you're correct that abundance decreases with increasing atomic number as a general rule. This makes sense if you think that formation of most elements is a combination of two nuclei, not a combination of multiple simultaneously. If most of your starting material is lighter, you're not going to make a lot of very heavy elements.
While this is a general trend, there are many exceptions. Some isotopes may be abundant or rare due to the availability of precursors. Some may be rare due to the limited methods of formation.
See the Oddo-Harkins rule to learn that in many cases even-numbered isotopes are more abundant than odd-numbered isotopes:
Beryllium has a very low atomic number, but is relatively low in abundance because it is difficult to form in stars.
Lead is relatively more abundant than you might expect because it can be formed directly, and it can be an end product from the decay of other elements.
Finally, you mentioned valuation to us on earth. The abundance of elements to us differs greatly from that in the universe, mainly due to chemistry and geology. There's not much uranium around our solar system, but it is relatively abundant in the crust because of the compounds it forms. Gold is nearly inert and is much rarer in the crust. Presumably there's a huge amount of it inaccessible in the earth's core.
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In fact, some nuclear theorists do believe that there will be relatively stable heavy elements, as per your point 2. The so-called Island of Stability is predicted to occur because stability is maximized at certain so-called magic numbers which correspond to especially stable isotopes when the number of protons and/or neutrons matches one of the numbers. In particular, Z=114, 120, and 126 may have long-lived isotopes. These haven't yet been produced because it's difficult to get to the requisite number of neutrons to achieve a stable nucleus.
I should emphasize that this is just a hypothesis with essentially no experimental evidence at the moment. It is, as far as I know, a fairly active area of research. It almost sounds like crackpot science, but it definitely isn't and has a number of notable physicists and chemists connected to the hypothesis.
It is nonobvious whether these would be metals, though. If all you want is exotic metals, you'll have a much easier time just making compounds that haven't been synthesized on earth.