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Message: <blockquote data-quote="pawsplay" data-source="post: 4648119" data-attributes="member: 15538">Which is rather remarkable, if you compare this to the dot com situation here in Dallas a few years back. Many an adventuring Network Operator or DNS Administrator spent their hard-won treasure on such things and now find themselves penniless.Anyway, back to the OP... I don't like lots of magic items rattling around, and while the occasional glittering hoard is cool, I don't like ridiculous amounts of coin, either. So I tend to run the PCs a bit "skinny," then every once in a while throw them a really valuable magic item. I often use rare gems or works of art as treasure. One of the adventures centered around acquiring a nearly priceless diamond as a bargaining chip (naturally, the wizard succeeded in destroying it, earning him the permanent emnity of the party and leading to a very determined effort to avoid becoming famous for that little episode). If you do run an encounter with under-equipped PCs, just look at the opponents and ask yourself, "Would this be a lot easier with standard magical gear?" If the answer is yes, bump the CR by one or two. Or just assign the monster a penalty of -1 to AC, saves, to hit, and skill checks per 5 levels of the PCs. Or settle for a slower advancement rate. It's not a bad thing.</blockquote>