I don't DM (yet), but I play in two different d20 Games.
The first is Forgotten Realms, and it's on the strong side with most stuff: above-average method of ability score generation, quite fast leveling-up, no training to level up, and so on (although the treasures we get are below DMG Standards, we can't complain). In smaller Cities we only get cheap stuff, but in larger Cities (Silverymoon, Waterdeep), you can get practically every magical item out of the DMG and other Rulebooks and a couple of special items (our druid uses a ring of wisdom because he must a special amulet of the Verdant Grove, but beyond that, we don't use self-made stuff, and are content with the standard items). As we're 17th-level, we have no problem to travel across the continent quickly, so we usually get what we want. I have to say, though, that I'm tho only one in the party (including the DM), that has played RPG before, and even for me, it's my first 3e campaign. And we don't have problems finding motivation to go adventuring: We have a bladesinger who always seeks to further the cause of the People (that's me) and a wizard who leads a wizard's guild (which provides with steady problems, and the whole plot is somewhat tied to an artifact of that guild), so our DM doesn't hav to bait us with magical stuff.
The other game's the other extreme: it's ravenloft d20, and we have almost no occasions to buy magical items, or to find them, but that's OK, because we could not afford them, anyway. We're really poor boys. I'm about to start with a new character at 6th or 7th level (because I made the fault of playing a player whose strenghts are sneak attack and diplomatic skills, and the enemies consist mostly of undead and the DM thinks that CHA scores are something that happens to other people) and all I got is standard equipment (like bedrolls), FRCS character region starting equipment, one masterwork weapon and 200 GM (all in all 1000 GP, maybe 1500, standard per DMG would be 13000).