Alzrius
The EN World kitten
Forgive me, but my nemesis is the other guy, and I haven't been paying too much attention to your posts. I do occasionally see gems and respond to them, though, which may have given you the impression that I read everything you have written.
My bad.

For example:
I find it funny that you assume the fighter spends money on magical gear for weapons/armor/flight/wish/etc, but the wizard doesn't obtain pearls of power/scrolls/wands/etc.
It's not that I don't make the assumption, it's that the fact that this kind of diversity going into a situation shows why theorizing about how encounters will go is inherently flawed - just the magic item assumptions alone throw those theories out of whack.
The fighter might have the right tools for the job while the wizard doesn't; or the other way around, or something else altogether. Some items might be sundered, or stolen, or just forgotten about. Saying "but this combination is a killer" misses the point entirely.