Oryan77
Adventurer
Start reading the Forgotten Realms D&D books. 50 is conservative.
The only FR series I've read are the Drizzt novels. Drizzt himself is about ECL 18 or so and only has around half a dozen magic items. At least less than a dozen. None of the other characters are mentioned as having lots of items. Even Jarlaxle has maybe two dozen items at most....but again, he's around ECL 22. When you mention 50 items being conservative in FR books, you must be talking about epic level characters? Remember, I'm talking about a 5th lvl PC here.
My player is ECL 5. It can't possibly be normal for a 5th lvl PC to already have powerful mounts AND dozens of magic items without it being a Monty Hall game can it? If I put all of the character wealth into just giving him a flying mount, I can see that making sense. But that's not the case. A PC obtaining something like a flying mount at 5th lvl seems extreme to me. Several lvls higher seems right, but 5th lvl?