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Message: <blockquote data-quote="Nevvur" data-source="post: 7308417" data-attributes="member: 6783882">Yes. Strong guys want plate armor and magic users want material components. Wizards be fillin' spell books. That makes them more gear dependent. However, gold as an upgrade path quickly becomes meaningless using the default "settings" of D&D 5e. It is my preference as a DM and player that the group keeps a pool of cash available for group-related purchases. That includes class-related items, like plate armor for the strong guys and spell components for the casters. It's all toward improving the group's functionality. How one manages deposits and withdrawals is a matter of discretion for each table. Two of my favorite tables treated all loot as group loot, so it was just a matter of tracking a single account. They could take as they pleased, but big purchases always involved discussion. In groups where wealth was distributed to individuals, the group pool was funded by voluntary contributions (and grew rapidly in size, no less). I've never seen a group loot tax in play, but that could be another way of funding group-related purchases.If using group loot to cover class-related item costs doesn't fly at your table, I would favor equal loot portions for everyone regardless of gear-dependency. Wealth acquisition greatly outpaces gear costs in the long term, to the point where the latter is negligible. Wealth discrepancies will be apparent in the early game, but this wouldn't deter me from playing and enjoying a gear-dependent class.</blockquote>

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