Retail version comes with chits. So does the Kickstarter, but the KS also has the minis. The minis will be sold via MegaCon online, so you can buy the retail now, and if you like the game, buy the minis when they are available.
What is $40? Banner Saga minis or a Myth boss? Because a Myth boss is $25 on the MegaCon store, and the BS minis are $20 for all 30. Note most Muth stuff is unavailable on their store atm as MegaCon are moving to 3rd party online sales (via Kable I believe).