Upper_Krust
Legend
Hey kerrick mate! 
Lets just back up a moment, whats this about my formula being wrong.
At 20th-level you have on average 720,000 gp according to the DMG.
Thats a ceiling limit of 180,000 GP for a single item, which EASILY qualifies you for +5/+5 armor.
...and my formula stated that you wouldn't have a +5/+5 weapon until 21st-level.

Kerrick said:My initial point was that UK's formula (ECL/1.8) is wrong - you shouldn't be able to afford +10 armor OR weapons by L20, and trying to cram them all into 20 levels just won't work. But really, it all goes back to the wealth progression, which is wonky in the first place. Fix that, and you'll fix a lot of secondary problems, like level availability (the minimum level you can buy an item using the 1/4 wealth rule).
Lets just back up a moment, whats this about my formula being wrong.

At 20th-level you have on average 720,000 gp according to the DMG.
Thats a ceiling limit of 180,000 GP for a single item, which EASILY qualifies you for +5/+5 armor.
...and my formula stated that you wouldn't have a +5/+5 weapon until 21st-level.