the lost gear might be less likely to happen if the players have good accounting practices.
When I play, I have my char sheet, plus a blank sheet of paper. As I add/remove items, I don't touch my main sheet. I document any changes on the blank sheet. If I find 500 gold, I write:
+500 GP
If I buy a new sword for 10 GP, I write:
-10 GP
+1 Long sword
At the end of the day, when I go back to the computer to update my sheet, I apply all the changes from my scratch sheet.
Party items are handled in the same way, on another sheet. This sheet would be for stuff the party finds, but hasn't formally split up. Presumably, one or more PCs is carrying it, but not laying claim to it.
When we transfer an item or money from one scratch sheet to another (party inventory or another PC), we often just cross it off the originating sheet (as it isn't in the formal record yet). So we avoid silliness like +1 longbow, -1 longbow on the same sheet.
When I play, I have my char sheet, plus a blank sheet of paper. As I add/remove items, I don't touch my main sheet. I document any changes on the blank sheet. If I find 500 gold, I write:
+500 GP
If I buy a new sword for 10 GP, I write:
-10 GP
+1 Long sword
At the end of the day, when I go back to the computer to update my sheet, I apply all the changes from my scratch sheet.
Party items are handled in the same way, on another sheet. This sheet would be for stuff the party finds, but hasn't formally split up. Presumably, one or more PCs is carrying it, but not laying claim to it.
When we transfer an item or money from one scratch sheet to another (party inventory or another PC), we often just cross it off the originating sheet (as it isn't in the formal record yet). So we avoid silliness like +1 longbow, -1 longbow on the same sheet.