MiraMels
Explorer
But again that's not what would happen given the XGE rules!
You generate LOTS of treasure points, many more than you would need to save up in order to purchase that tier IV "upgrade" on day one.
The difference would be minimal.
Character A purchases +1 plate, then maybe a dozen various items... then +3 plate at 18th level.
Character B purchases +1 plate, then maybe eleven various items... then +3 plate at 17th level.
Spot the difference?
And no, the important difference isn't the exact timing of the +3 plate. The important difference is that character A was saddled with cluttery administration of what each deposit goes to... while character B doesn't need to do any of that.
Both still have the ability to upgrade from +1 to +3 right away without passing +2. Though none of them are defined by it, since they both likely have plenty other items in the meanwhile. Even if player B "abuses" the system by saving all his treasure points... it nets him... maybe ten levels of gaining no new item for no advantage.
Maybe - just maybe - he can then splurge to buy table H and I items for every tier IV level... but where's the harm in that? And to do so he had to spend almost his entire career with no fun items!
Look I completely understand the natural inclination to simply assume a rule is there for a reason. If WotC makes us write down each deposit and what item it's for, they must have identified something undesirable to avoid! Right?
Well, to me those XGE rules seems to solve a problem that just isn't there, creating needless and wasteful book-keeping chores for no reason and very little gain. But I'm prepared to be corrected. ENWorlders, what am I missing here?
Hopefully the AL admin team won't blindly add it unchanged, and if they do add it, that they explain to people like me why.
It's my understanding that you can't bank treasure points like that, you have to spend them as you get them on tier-appropriate gear.