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I got the item when going to a discovery site, by drawing "random item", so not a settlement of any kind, and to my understanding, you don't roll for price tables unless you're in a settlement? Would that mean that it should have cost 4 coins?

I didn't have any coins when I made my way there so I couldn't have collected it anyway, but if it had happened earlier, would the item still be there to collect later if I made my way back?

That’s correct, you only roll for prices of items when taking the shop action at a settlement. In your instance, you can take the item without paying any coin!