It is evidenced that effective lattice-gas models of hard-core monomers and dimers afford a proper description of low-temperature features of spin-
21 Heisenberg diamond and octahedral chains. In addition to monomeric particles assigned within the localized-magnon theory to bound one- and two-magnon eigenstates, the effective monomer-dimer lattice-gas model includes dimeric particles assigned to a singlet-tetramer (singlet-hexamer) state as a cornerstone of dimer-tetramer (tetramer-hexamer) ground state of a spin-
21 Heisenberg diamond (octahedral) chain. The feasibility of the effective description is confirmed through the exact diagonalization and finite-temperature Lanczos methods. Both quantum spin chains display rich ground-state phase diagrams including discontinuous as well as continuous field-driven phase transitions, whereby the specific heat shows in vicinity of the former phase transitions an extraordinary low-temperature peak coming from a highly degenerate manifold of low-lying excitations.