This is a very unusual card.
Permanent cards are, by their very nature, kind of strange in that they start off in play, so taking the card doesn't dilute your deck. Normally with cards like Scrapper, the level and experience point cost are barriers that keep every eligible investigator from immediately taking it. Arcane Research, the other level 0 permanent card besides Shrewd Analysis, inflicts mental trauma when you take it, so you have to consider the consequences of using the card before you acquire it.
Shrewd Analysis is different from both of these cases because there is, in most instances, no drawback for taking it. There is no experience cost, no trauma... you just get it.
The ability on the card is not mandatory (since it is phrased, "you may upgrade a card") so taking this card does not commit you to using its ability. It simply gives you an option that wasn't there before. In my opinion, it is really not a good ability, since you sacrifice deck consistency for a discount, and I normally don't consider that a good trade. However, the option is there. In a way, taking this card kind of future-proofs your deck a little bit; if there is ever a card released like Strange Solution with upgrade paths that have a negligible difference between versions, you'll be thankful you grabbed this permanent. However, if you never use this card's ability, that's fine too, because it doesn't cost anything. The only potential drawback is if there's an encounter card that punishes you for number of assets or number of permanent cards. That second situation seems pretty unlikely, but you never know...
For investigators that have limited Seeker cards or out-of-class limitations, I think you should probably never take this card. I don't think it's normally worth it.
Otherwise, I think you should always take this card.
For reference...
Investigators who should always take this card:
Investigators who should never take this card:
- Any Dunwich Legacy investigator who isn't Rex Murphy
- Marie Lambeau
- Carolyn Fern
- Finn Edwards
Conditional:
- Lola Hayes can take this card if she wants to use it to take up a Seeker slot without taking up a card in her deck.
Is there a functional reason to justify not taking this card if you have no Seeker slots restrictions? I really can't think of one. Very curious to see if we'll get more level 0 permanents like this one in the future.