It might be getting into too much detail, but you could house-rule it to give -2 to Move Silently.
Hell, by Official 3E Rules, a guy in Full Plate carrying a Tower Shield doesn't hide any better than a Great Gold Wyrm. A strong kobold carrying two or three Halberds doesn't get a penalty to his Hide check. And so on, and so forth. Pretty silly.
And by 3E rules, you don't get an Official Penalty to Move Silently if you're carrying a bucket of chain links. Or twelve bags of gold.
But you know what -- there's a fix for that. It's called a "circumstance penalty". And I applaud you if you decide to give them out to folks carrying clinky things, whether it's big bags of gold or big lengths of chain.
Lord knows they couldn't spell out every single situation where a circumstance penalty should be granted. That's the DM's job. I wouldn't even call it a "Rule 0".
Hell, by Official 3E Rules, a guy in Full Plate carrying a Tower Shield doesn't hide any better than a Great Gold Wyrm. A strong kobold carrying two or three Halberds doesn't get a penalty to his Hide check. And so on, and so forth. Pretty silly.
And by 3E rules, you don't get an Official Penalty to Move Silently if you're carrying a bucket of chain links. Or twelve bags of gold.
But you know what -- there's a fix for that. It's called a "circumstance penalty". And I applaud you if you decide to give them out to folks carrying clinky things, whether it's big bags of gold or big lengths of chain.
Lord knows they couldn't spell out every single situation where a circumstance penalty should be granted. That's the DM's job. I wouldn't even call it a "Rule 0".