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Message: <blockquote data-quote="green slime" data-source="post: 1756649" data-attributes="member: 1325">I'll start by saying, I do the same thing as a DM. When creating characters of a higher starting level, I assign a certain amount of gold and xp to the characters with which they can fit themselves out. Why battle it out all the nitty gritty details of background blow-by-blow?The recommended wealth level is not a table showing how much wealth a character has seen flow through his fingers over his lifetime; it is supposed to be a reflection of the current state of affairs. Dito XP. But if you start with the item, you have paid full price, or created it (and therefore paid the XP).The DM appears to be obtuse. On the other hand, I find that if you are going to be 1 xp behind for past activities, you may as well be 10,000 xp behind: Start mass producing items; your resources in gold will stretch that much further.</blockquote>