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Message: <blockquote data-quote="Pax" data-source="post: 1151700" data-attributes="member: 6875">I've always used a 40%/20% split: all but one item must be worth nomore than 20% of your net worth; that one other item can be worth up to 40% of that value.As a player, I always tended to want to sink my money into improvign the ONE weapon I tended to wield, along with armor/shield and 2-3 utility items.  By the time you hit the higher levels (15th and up to Epic) ... my god.  A 20th level character allowed to have only one item worth 190,000gp?  So much for +10-pricd weapons!  The rest of them have to be 76,000gp or less?  So much for ANY fighter(20) wearing a +10-priced armor or shield ... not after buying their weapon!  Whereas at 40/20 instead, we're looking at 304,000gp for the "big item" -- enough to get a +10-priced weapon with a couple adds, maybe a special material too -- and half that, or 152,000gp for the other items -- enough for +10-priced armor/shield, again with some direct-GP adds andspecial material.</blockquote>