It depends. Some people might think so if they don't have much interest or if the variants don't offer significant value. But for collectors or hardcore fans, they can be quite valuable.
One way to get variant comics is by following the social media accounts of comic publishers or artists. They might announce limited releases or special offers for variant comics.
In the comics, the Punisher isn't simply heartless. His actions are a result of his traumatic past and a determination to fight crime by any means necessary. It's a mix of passion and a warped sense of morality.
I don't think there was a character named Karen in Punisher comics. Usually, the main characters and well-known ones are pretty distinct, and I haven't come across a Karen in this series.