The problem is that you can't see your territory income as a "money per second" number. Even with the respective Statistics advancement level, you will only see "money from territories so far accumulated". Therefore, it is very difficult to check these numbers on your own. But to me it always seems plausible, so I would trust the numbers in general.
You are right that your money income over time (therefore, excluding everything that happens only occasionally, like caches sells, clan requests) consists of bonus income and territory income. The former is the circles, squares, sometimes hexagons with numbers on the map, the latter is noted on the information window for each territory individually. A good chunk of territories provide some kind of income, but some don't and in general bonuses give more. Therefore, for a territory income boost artifact to be good it needs a significantly higher percentage than a bonus income boost. If you have both, just swap one for the other to see whether your overall money income goes up or down, or just use both if you can.
Let's say, you have 23k/sec from territories and 42k/sec from bonuses. Your overall money income would be 63k/sec (and this is the only number you can see in the money dialog, when hovering your money balance). Say, you had a 50% territory income boost, your territory income would be 34.5k/sec now, and the overall income would be 76.5k/sec. The "problem" with this is, that there are also other ways to improve your money income. There are techs to boost both territory and bonus income and there is at least one advancement for bonuses. For example, if you have 25% territory income boost already and gain 50% on top, that won't be 1.5 time the already 1.25, instead you will go from 1.25 to 1.75. I'm short in time right now, perhaps someone else can explain that of I will when I come back.
Hope that already helped a bit.