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Message: <blockquote data-quote="Alzrius" data-source="post: 4870746" data-attributes="member: 8461">I haven't played in a game with this rule, but I can imagine that it'd have some effects over the long-term.For one thing, it'd lead towards the PCs all being of different levels over time. Characters who spend more will gain levels at a faster rate than those who don't (the comparative lack of equipment such characters have compared to those who spend all of their gold on gear won't, I think, be a balancing factor so much as it'll just make those characters lopsided).This will also encourage spellcasters to create their own magic items more. After all, you burn XP to create magic items, and that's easier to do when you can just spend excess treasure to gain disposable XP.There'll be some gamers who'll definitely start looking to loot and then hock everything. Be prepared for the guy who'll want to Appraise every damn thing in the dungeon, dump it into a bag of holding, and then sell it.</blockquote>