I'm currently playing in a campaign where our party for the most part has just made 3rd level. There's a couple players that are possibly going to be a little short but should at least be very close to 3rd level (the DM hasn't calculated the XP yet). For the most part we are well short of the recommended DMG level of character wealth (My character probably has about 250 gp worth of equipment right now and is more or less typical of the group). The only thing of any real value we've found so far was a cloak of resistance +1. I'm not sure if we just keep missing the treasure or what, but how much is this going to hurt us when we move up to 3rd level?