I just tried to add up the heros equipment value and compare to the suggested wealth at their level. No wonder they are struggling. You are using an official campaign that assumes the PC's have the suggested wealth and the possibility of trading to the equipment they really need.
I just did the math for Arun, Beorna, Dannel and Mole from the lists and levels in the rogues gallery. This is the result:
Arun (760.000 gp)
+2 amulet of health 4000
+4 belt of giant’s strength 16000
+2 ring of protection 8000
ring of evasion 25000
holy avenger long sword 120000
+3 adamantine battleaxe 21000
+3 mithral full plate 18000
+4 large steel shield 16000
Boots of striding and springing 5500
+4 gloves of dexterity 16000
+3 cloak of protection 9000
Equipment value 258.500 of the 760.000 assumed
Beorna (440.000)
dwarven platemail (adamantine) 16500
adamantine bastard sword 3000
+2 gauntlets of ogre power 4000
+6 periapt of wisdom 36000
+2 ring of protection 8000
+2 cloak of resistance 4000
+2 belt of health 4000
Equipment value 75500 of the 440.000 assumed
Dannel (440.000)
+1 evil outsider bane quarterstaff 8000
+1 longsword 2000
+3 shadow silent chain shirt 17000
+1 shocking burst mighty (+1) longbow 8000
+3 evil outsider bane mighty (+2) composite longbow 32000
50+1 holy arrows 18000
10 +1 ghost touch arrows 800
+2 ring of protection 8000
ring of evasion 25000
efficient quiver 1800
+2 amulet of health 4000
+4 cloak of charisma 16000
+6 gloves of dexterity 36000
greater bracers of archery 25000
ring of the ram 8600
Equipment value 210200 of the assumed 440.000
Mole (580.000)
small +1 dagger 2000
cape of the mountebank 10000
+8 bracers of armor 64000
+6 gloves of dexterity 36000
+3 amulet of natural armor 18000
belt of ogre power 4000
boots of striding and springing 6500
slippers of spider climbing (in pouch) 4800
rust bag of tricks 3000
+4 ring of protection 32000
ring of invisibility 20000
40 +1 shock bolts 8000
bag of holding (type 1) 2500
hat of disguise 1800
chime of opening 3000
rope of climbing 3000
+4 headband of intellect (in pouch) 16000
Equipment value 234600 of the assumed 580.000
I know and agree that the wealth system seems artificial nad a thorn in the eye. But I also believe that you can't use official adventures and non-standard wealth without heavily tinkering with the adventure.
Here is an example of how Arun could look just by upping the equipment he already have. Notice that it still leaves more than 200.000 gp to buy additional equipment, potions, scroll and wands (he should be loaded with all three)
Arun Goldenshield (Paladin 15/Divine Champion 5)
----------------------------------------------------------------------
Medium Humanoid (Human)
Hit Dice: 20d10+120 (235 hp)
Initiative: +6
Speed: Move 30' (6 squares)
Armor Class: 37 (+2 Dex, +13 Armour, +7 Shield, +5 Deflection), 17 touch, 35 flat-footed
Base Attack/Grapple: +20/+27
Attack: Holy Avenger +33 (1d8+12 17-20*2) or Longbow +22 (1d8+5 20*3)
Full Attack: Holy Avenger +33/+28/+23/+18 (1d8+12 17-20*2) or Longbow +22/17/+12/+7 (1d8+5 20*3)
Space/Reach: 5 feet/5 feet
Special Attacks: Smite evil 4/day (+5 to hit and +15 damage), smite infidel 1/day
Special Qualities: aura of courage, divine health, divine grace, lay on hands (75 hp/day), detect evil, +2 sacred defense (divine spells), divine wrath 1/day, turn undead 5/day, remove disease 4x/7 days, darkvision, stonecunning, +4 vs. being bull rushed or tripped, +2 on saves vs. poison and spells, +1 atk. vs. aberrations, +4 AC vs. giants
Saves: Fort +24, Refl +16, Will +15
Abilities: Str 24, Dex 12, Con 22, Int 10, Wis 14, Cha 20
Skills: Appraise (stone/metal) +2, Concentration +5, Craft (stone/metal) +5, Diplomacy +7, Heal +8, Knowledge (religion) +9, Ride +1, Sense Motive +9, Speak Language (Undercommon), Spot +4
Feats: Cleave, Great Cleave, Improved Critical (longsword), Improved Initiative, Iron Will, Leadership (16), Power Attack, Weapon Focus (longsword), Weapon Focus (warhammer),
Spells: (3/2/1/1): 1/divine favor, 1/lesser restoration, 1/protection from evil, 2/remove paralysis, 2/resist energy, 3/magic circle against evil, 4/restoration
EQUIPMENT (500.000 of 760.000)
+6 amulet of health, +6 belt of giant’s strength, +5 ring of protection, ring of evasion, holy avenger long sword, +3 adamantine battleaxe, +5 mithral full plate of heavy fortification, +5 large steel shield, boots of striding and springing, +6 gloves of dexterity, +6 cloak of charisma, masterwork mighty (+5) composite longbow
I just did the math for Arun, Beorna, Dannel and Mole from the lists and levels in the rogues gallery. This is the result:
Arun (760.000 gp)
+2 amulet of health 4000
+4 belt of giant’s strength 16000
+2 ring of protection 8000
ring of evasion 25000
holy avenger long sword 120000
+3 adamantine battleaxe 21000
+3 mithral full plate 18000
+4 large steel shield 16000
Boots of striding and springing 5500
+4 gloves of dexterity 16000
+3 cloak of protection 9000
Equipment value 258.500 of the 760.000 assumed
Beorna (440.000)
dwarven platemail (adamantine) 16500
adamantine bastard sword 3000
+2 gauntlets of ogre power 4000
+6 periapt of wisdom 36000
+2 ring of protection 8000
+2 cloak of resistance 4000
+2 belt of health 4000
Equipment value 75500 of the 440.000 assumed
Dannel (440.000)
+1 evil outsider bane quarterstaff 8000
+1 longsword 2000
+3 shadow silent chain shirt 17000
+1 shocking burst mighty (+1) longbow 8000
+3 evil outsider bane mighty (+2) composite longbow 32000
50+1 holy arrows 18000
10 +1 ghost touch arrows 800
+2 ring of protection 8000
ring of evasion 25000
efficient quiver 1800
+2 amulet of health 4000
+4 cloak of charisma 16000
+6 gloves of dexterity 36000
greater bracers of archery 25000
ring of the ram 8600
Equipment value 210200 of the assumed 440.000
Mole (580.000)
small +1 dagger 2000
cape of the mountebank 10000
+8 bracers of armor 64000
+6 gloves of dexterity 36000
+3 amulet of natural armor 18000
belt of ogre power 4000
boots of striding and springing 6500
slippers of spider climbing (in pouch) 4800
rust bag of tricks 3000
+4 ring of protection 32000
ring of invisibility 20000
40 +1 shock bolts 8000
bag of holding (type 1) 2500
hat of disguise 1800
chime of opening 3000
rope of climbing 3000
+4 headband of intellect (in pouch) 16000
Equipment value 234600 of the assumed 580.000
I know and agree that the wealth system seems artificial nad a thorn in the eye. But I also believe that you can't use official adventures and non-standard wealth without heavily tinkering with the adventure.
Here is an example of how Arun could look just by upping the equipment he already have. Notice that it still leaves more than 200.000 gp to buy additional equipment, potions, scroll and wands (he should be loaded with all three)
Arun Goldenshield (Paladin 15/Divine Champion 5)
----------------------------------------------------------------------
Medium Humanoid (Human)
Hit Dice: 20d10+120 (235 hp)
Initiative: +6
Speed: Move 30' (6 squares)
Armor Class: 37 (+2 Dex, +13 Armour, +7 Shield, +5 Deflection), 17 touch, 35 flat-footed
Base Attack/Grapple: +20/+27
Attack: Holy Avenger +33 (1d8+12 17-20*2) or Longbow +22 (1d8+5 20*3)
Full Attack: Holy Avenger +33/+28/+23/+18 (1d8+12 17-20*2) or Longbow +22/17/+12/+7 (1d8+5 20*3)
Space/Reach: 5 feet/5 feet
Special Attacks: Smite evil 4/day (+5 to hit and +15 damage), smite infidel 1/day
Special Qualities: aura of courage, divine health, divine grace, lay on hands (75 hp/day), detect evil, +2 sacred defense (divine spells), divine wrath 1/day, turn undead 5/day, remove disease 4x/7 days, darkvision, stonecunning, +4 vs. being bull rushed or tripped, +2 on saves vs. poison and spells, +1 atk. vs. aberrations, +4 AC vs. giants
Saves: Fort +24, Refl +16, Will +15
Abilities: Str 24, Dex 12, Con 22, Int 10, Wis 14, Cha 20
Skills: Appraise (stone/metal) +2, Concentration +5, Craft (stone/metal) +5, Diplomacy +7, Heal +8, Knowledge (religion) +9, Ride +1, Sense Motive +9, Speak Language (Undercommon), Spot +4
Feats: Cleave, Great Cleave, Improved Critical (longsword), Improved Initiative, Iron Will, Leadership (16), Power Attack, Weapon Focus (longsword), Weapon Focus (warhammer),
Spells: (3/2/1/1): 1/divine favor, 1/lesser restoration, 1/protection from evil, 2/remove paralysis, 2/resist energy, 3/magic circle against evil, 4/restoration
EQUIPMENT (500.000 of 760.000)
+6 amulet of health, +6 belt of giant’s strength, +5 ring of protection, ring of evasion, holy avenger long sword, +3 adamantine battleaxe, +5 mithral full plate of heavy fortification, +5 large steel shield, boots of striding and springing, +6 gloves of dexterity, +6 cloak of charisma, masterwork mighty (+5) composite longbow