the below is a monte hall 13th fighter type vs a normal 13th level fighter
13th level monte hall fighter
Bastard sword +5 keen & wounding = 128,000
Shield +5 w/ ghost touch = 64,000
Full Plate +5 w/ heavy fortification = 100,000
Helm of greater sonic resistance DR30 =66,000 
X bow of speed +3 w/speed = 72,000
Gauntlets of giant str +6 = 36,000 ( Im guessing)
ok so this guy is monte hall and I kept it pretty basic and he is over 400,000
a norm fighter with the 200,000 limit
+3 bastard sword of speed  72,000 gp
+3 steel shield                   9,250 gp
+3 full plate                      10,650 gp
a few potions =                  3,000 gp
ring of Mind shielding	 8,000 gp
ring of Protection +4	32,000 gp
rod of flame estinguishing     15,000 pg
Bag of holding type I	  2,500 gp
Cloak of resistance +3	  9,000 gp
Horseshoes of speed	  3,000 gp
this is already over 160,00 so now he needs a mount supplies, tools weapons A home maybe
equipment etc etc.no where close to over powered!!!
Thorncrest
	
		
			
				Nail said:
			
		
	
	
		
		
			Careful.
Are you suggesting that none of us have ever played in a 12th level campaign?  

   You 
do know where you are posting, right?
I currently play a Clr 14.  Had to get there from level 4......   
 
200,000gp is *way* too much loot at that level, low-magic, high-magic, or anywhere in between.