Stoutstien
lunk
so you expect a party to find a horde before lv 5 and I might have 1-2 of that in reasonable grabbing range but they have to work for them. i wouldnt count it as "base" treasure. its a bonus.The guidelines using treasure hoards is over 2800gp by the end of level 4.
Each level from 5-10 is over 12 000 per level.
I'd rather be alive and have less gold than have a TPK.
i do think 90% of the math in the DMG is made up.