dcollins said:Kobolds have "standard" treasure. MM p. 12: "Treasures include coins, gold, and items. Creatures can have varying amounts of each, as follows. Standard: Roll once under each type of treasure's column on the appropriate row..." Note that DMG p. 170 only has rows for coins, goods (gems/art), and likely 1d6 minor magic items at EL 13.
DMG p. 171: "The gear that NPCs carry serves as the bulk of their treasure". No such allowance is made for non-NPCs, i.e., monsters listed with "standard" treasure from the MM.
So by the rules, yes, kobolds absolutely are supposed to have "gold laying around for PCs to plunder". Asserting that kobolds can take all their funds and transform them into warmaking devices is breaking the guidelines given in the kobolds' statblock.
If D&D to you is only a series of encounter table and random treasure charts, you should stick to computer gaming. It is far more efficent.
There is no way any group of low level creatures can add up to something more than they are without materials, setup, equipment and levels. Armies are pointless under your view. The PCs could run through them all day and not even blink, no matter their number or tatics. That is a rather skewed point of view.
As for your rules arguement, I ask if a kobold is sentient. If they are, then they must be NPCs. Alchemist fire is gear to adventures. So the alchemist fire is perfectly valid for the kobalds. Seems simple to me, unless you want to argue more pointless semantics.
dcollins said:400 kobolds sneaking up on 13th level PCs "not implosible [sic]"? I'm afraid that doesn't even warrant a dignified response.
Did you read that section? First of all, my example was about an ambush. It is not "implausible" at all. They just need to stay entirely out of sight. Full cover = no need for hide. 1 kobald in full view to scream to set off the ambush. Simple.
If you want to take the one-upmanship out of this encounter, just assume both parties are surprized and fairly near each other. None of this 20 precasts, tunnels, divinations and traps. Pure, simple, combat. In that case, you will see the kobalds are a challenge on par with a CR of 13. Apply situational modifiers (both pro and con) after that.