Flamestrike
Legend
Is it a matter of minutes or a matter of hours? A fantasy city is large and sprawling. It probably takes an hour to walk (assuming not in a rush) from the west gate to the east gate. To circle the city could take three hours (3.141...). So "finding a silversmith in town" is not necessary fast.
I always assume the check is made to determine how much time is wasted.
Why?
Man, if your nights of fun gaming involve dice rolls and math to determine how many minutes it takes for your players to locate a silversmith then we have different ideas of fun.
There is no roll. If there is a silversmith, they find one and it's done. Heck it doesnt even need to be roleplayed unless it's important to the story somehow, Otherwise they find one, sell what they want to sell and get back out there being heroes.