wingsandsword said:
There's your problem. Not many DM's just let PC's walk into a magic shop and buy a +5 Tome of Strength (136,500 GP and 36,000, those items are worth together as much as a small barony, you should not be able to assume any character could get a 100k+ item). Those aren't items you just arrogantly presume you can buy. In fact, in the 3e games I've played, the only time I see anything like that is in characters who were created outright at higher levels, not characters who actually got their treasure through normal treasure distribution, item creation rules and a reasonable economy).
Yet, strangely enough, every DM I've ever played under allowed it. At 20th level, our current DM assumed that our resources, contacts and ability to travel almost anywhere at will allowed up to buy any item in the DMG up to 1/4 of our gp value for 20th level. This allows us to buy anywhere up to about 190k items, with a total of 780k gold to spend.
This isn't extremely unrealistic, if you use the tables in the DMG. In Oerth, Greyhawk should support an economy capable of selling these sort of items. After all, the entire Circle of Eight needs someplace to sell and buy magic items, plus any number of powerful planar travellers, kings, etc. Plus, any number of high level adventurers who may or may not exist in your world (I tend to assume they do, and if adventurers exist and there is money and a market for something, it will create SOME place to get the items). Lastly, it is always possible that there isn't enough market on ONE world to support this, luckily, people of this power have the ability to all gather somewhere in another plane to trade these items.
Rather than role play this all out, though, we simply say "you had all of this before you got to level 20". Still, I have a game where the characters are approaching 13th level, and they have stats around the 26 range in their primary. They will likely have 30s by the time they get to 20th level.
3rd Edition D&D really is designed so this is the baseline. I do understand that some campaigns will be higher or lower.