Charlaquin
Goblin Queen (She/Her/Hers)
Guess I’ll throw my 2cp into this three year old discussion.
Gold is as useful as the DM makes it. Past about 4th level, it no longer really matters for mundane equipment, and magic equipment isn’t available for purchase unless the DM allows it, and then they kind of have to set their own prices. Gold can pay for lifestyle expenses, but unless the DM includes consequences (whether positiv or negative) for lifestyles there’s no reason to keep track of it - horde every copper and maintain a Squalid lifestyle, or blow it all on an aristocratic one, it doesn’t really matter because its the only thing you spend your gold on and it has no mechanical impact. Same thing for base building, you can spend useless money on a useless base, or not, it doesn’t matter. If you want to run a business, you can spend useless money to make useless money. The XGtE downtime rules give you lots more ways to spend your gold, but are also much more involved on both the player and DM parts, so if your group really likes spending a lot of table time resolving stuff that happens outside of adventuring, that’s a way you can spend your gold.
So, yeah, gold can matter if the DM wants to make it matter. But it’s generally not super important.
Gold is as useful as the DM makes it. Past about 4th level, it no longer really matters for mundane equipment, and magic equipment isn’t available for purchase unless the DM allows it, and then they kind of have to set their own prices. Gold can pay for lifestyle expenses, but unless the DM includes consequences (whether positiv or negative) for lifestyles there’s no reason to keep track of it - horde every copper and maintain a Squalid lifestyle, or blow it all on an aristocratic one, it doesn’t really matter because its the only thing you spend your gold on and it has no mechanical impact. Same thing for base building, you can spend useless money on a useless base, or not, it doesn’t matter. If you want to run a business, you can spend useless money to make useless money. The XGtE downtime rules give you lots more ways to spend your gold, but are also much more involved on both the player and DM parts, so if your group really likes spending a lot of table time resolving stuff that happens outside of adventuring, that’s a way you can spend your gold.
So, yeah, gold can matter if the DM wants to make it matter. But it’s generally not super important.