If I had a 12th level cleric (or wizard) with this amount of GP I would immediately take 120,000 of it and use the craft wondrous feat to create a lich's phylactery.
From the 3.5 SRD:
THE LICH’S PHYLACTERY
An integral part of becoming a lich is creating a magic phylactery in which the character stores its life force. As a rule, the only way to get rid of a lich for sure is to destroy its phylactery. Unless its phylactery is located and destroyed, a lich...
I have to agree Andargor on this. The SRD seems to be quite clear. Once the PC decides to forgo the save and voluntarily allow the spell to happen then there is no turning back.
In our current campaign this happens all the time. I play a cleric of Wee Jas and there are many times where...
Depending on the source books you are using, I believe that there is a spell in the Pocket Grimoire - Divine for "Invisibility to Constructs". We used this in our current campaign and it worked great. However, we are currently running version 3.0.
Dungeon #112 features an adventure on "Maure Castle" revisited. This is a special 30th anniversary write-up. I never played the original module, but at first glance this adventure appears to be well written.
We used to have a paladin in our group who was vehemently opposed to undead. While he was sleeping my cleric necromancer would cast create undead on one of our fallen opponents. Since this spell could create intelligent corporeal undead she passed on her hat of disguise to the undead and...
I am currently playing a cleric of Wee Jas specializing in necromancy and use the following:
1) Harm
2) Death Touch (Death Domain ability)
In 3.0 there are no saves for either of these, and as long as you can successfully touch your target you are in business. This could work in 3.5 also, but...
My Clr3/Wiz1/Rgr2 had a hawk familiar and it worked great until it was swallowed by a Black Dragon in the Forge of Fury.
Cat is also popular in our gaming group.
I always try to have a background prepped before rolling and assigning stats. However, I have had times where the dice rolls did not cooperate with my character conception, and I have had to start over from square one.