You're drawing absurd equivalences between legendary magic items and mundane gemstones. If the fighter can find an armorsmith and buy 1,500 gp worth of plate armor, the wizard can find a jeweler and buy 1,500 gp worth of rubies.
And by the way, if no one has any magic items at all, how is the fighter coping with the near-universal resistance to nonmagical weapon damage at this level?
The answer is simple: they're just dealing with it. Just as I expected the casters to just deal with not having their spell components.
But, fine. I see this is just too unrealistic for some groups. I want to put forth a different example to highlight my issue with the debate.
A level 20 party consisting of a Cleric, Wizard, Fighter, Rogue. The 4 common archetypes. We can choose either a fighter or a wizard and see what and how they contribute.
I'm going to propose something of a mini-adventure with a minute set of challenges, puzzles, social interactions, and a single combat encounter at the end of the day that is just under
The Adventuring Day EXP.
In this adventure,
I will roll on the Treasure Hoard section of the DMG up to the recommended amount per tier (7 at tier 1, 8 at tier 2, 12 at tier 3, and 8 at tier 4) and randomly assign items that the party had taken at one point. You can do whatever with the magic items, like sell or use them, and the money is yours to buy whatever you desire so long as it doesn't have to be specifically crafted (Statues, Crowns, Armor, etc.) The exception is that you must spend downtime specifically crafting this material out of its raw materials. No feats, no multiclassing, and no matter what, you're character can only take 1/4th of the loot for themselves.
Between this adventure, you had 10 years of downtime. This allows you to go wherever you're wanted during this downtime without much time-trouble. Any character has access to interplanar portals to anywhere but Mt. Celestia, The Abyss, or the Nine Hells.
Would this be a more realistic take, with even a leaning towards casters in this adventure? I also won't do any Antimagic Field shenanigans. I'll work with other forum posters to ensure the that any wards, traps, obstacles, or hazards are not meant to trap or kill any specific type of character/class.
I am serious that I want to have a natural conclusion to this discussion and see where it leads. I want to follow through and show both Martials and Casters are both not only useful but doesn't completely overshadow one or the other even at high levels in these caster-leaning situations.
Again, I ask, is this fair?