Sir ThornCrest said:
Maybe Im wrong but any dungeon Ive gone thru or DM'd the pc's would of got smoked if they were restricted to the 88,000 at 13th level formula.
Thorncrest
To be blunt: you're wrong.
You've posted a lot of questions over the last week or so. Collectively, these posts have shown that you are dealing with a gaming group that is highly customized. You follow rules that are a mixture of 2e and 3e rulesets, allow a lot of highly powered classes, and customize a lot of what you do (I am not the first person to voice this opinion). I don't doubt that over time your group has figured out a way to balance everything and have fun, but the set of rules you play with is far from standard. Accordingly, you can't expect your playing experience to match that of people who follow the core rules in designing games.
Notice that you are in the Rules forum. This is a place for people to go to discuss what the rules are, and how to use them. We're more than happy to help you with using the rules according to the SRD and Core rule books, but don't expect us to be able to always be able to interpret your house rules. And when you are doing things that are explicitly against what the rules say, expect people to call you on it. If you want help designing your own custom rules, try the House Rules forum.
In this case, the rules are quite explicit. The average wealth for a 12th level PC is 88,000 gold. This includes weapons, wondrous items, expendable items (such as wands), spell books, and everything else that includes a cost. The 3.5 system is designed for a party of level 12 PCs to be able to take on a CR 12 encounter with this much wealth and survive using about 25% of their resources. Needless to say 200,000g is substantially more than that.
You need to accept that you are not playing a standard game. That's fine. But please don't try and convince everyone else that the game you are playing is the same as the standard game described in the books, and is the type of game they should be playing.
Personally, I think the biggest problem that you're having with wealth is that you think it all has to come in big packages. In play, I have found that you will get the most bang for your buck if you have a very large amount of smaller (cost-wise) items than one really expensive one. I've played games where at level 13 I don't have a single item that cost more that 13,000g, and was still amazingly potent, both in terms of damage and survivability. If I was a caster in a campaign that game 200,000 gold at 12th level, I would probably start (after purchasing the spell book) by buying every single mundane item there was. After that, wands of every single utility spell I could find. From there, I'd move on to staffs, and a few scrolls. Next, I'd go to storage items and survival items. Only after all that would I start looking at items like the Robe of the Magi.