d20Dwarf said:
My old group was more interested in building businesses than building strongholds. Maybe it was our modern paradigm sneaking into the gaming. We especially enjoyed opening up weapon shops....do you realize how many weapons you acquire while adventuring?! Pure gold!
My players have "adopted" a stronghold via an ally (undead paladin - long story) and send most of their non-magical weapons and armor to him these days. It is an amazing thing how much gear you need to fully equip a dilapidated micro-fortress. Every now adn then they think about the chain-mail shaped gold sitting on the armor racks and then remember that there may come a day when they need to equip dozens, if not hundreds, of people in a hurry.
As to the buying and selling, my players go to two annual fairs to sell off loot. They pay the license fees and taxes, have display cases & pavilion tents in storage, and still realize they make more money than if they were selling to middlemen. Having a high level bard doing the negotiating doesn't hurt either.
They have started investing in bulk. Last session we realized there is over 100,000gp in purely cash-generating trade ventures and about 20,000gp in loans to cities and organizations. The rogue invested nearly 30,000gp because he decided he wanted to save up for some big ticket items and wanted the money to 'work' for him in the meantime.
Given the general 1gp=$100 equivalence in my world economy, they aren't greatly impacting the economy ($10M in investments) but they have entered the point of being considered "wealthy investors." And since they've made a few loans to towns they are philanthropists too.
Of course, I've made a point of "paying" them for some adventures with minor non-hereditary titles that exempt them from nuisance taxes and small personal properties. I didn't want to deal with them applying taxes or having to be responsible for things yet.
They are preparing to build their own stronghold as one of their conditions for providing a low-interest 15,000gp loan to a town for wall-upgrades was that they could construct a bastion attached to the wall for their own uses.