LostSoul
Adventurer
Well, no. I still don't quite think I've hit the balance with it right... And there's still no solution in sight for "what happens if the DM ganks your story point source"...
Brainstorming something...
Quest XP.
If the oni mage steals your wife... then you get a Major Quest to go get her back. I'm not sure what the level of that Quest should be.
Gnolls burn down your hunting lodge. Quest to exact revenge.
What happens to the resources spent if the oni kills your wife or the gnolls burn down your lodge? I guess mechanically they are turning into XP, or a chance for more XP.
That seems to suggest that the level of the quest should be based on how much you spend on the story thing, though... you'd want that 1st level story item to be worth more since it's been around forever, you've spent more game time on it. The easiest thing to do would be to make the level of the quest equal to your level and consider the GP spent an investment.
You'd have the "Story" slot open again. I think you might want to let people swap out what goes in their story slot, maybe as the retraining option (though you'd still have to spend the GP on it).
Hmm. That might work.