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Message: <blockquote data-quote="Olaf the Stout" data-source="post: 5205087" data-attributes="member: 13703">But characters starting above first level don't start naked with a bag of gold.  The reason why there is meant to be a percentage limit on the value of each item that they can buy is because their starting items represent what they have come across in their adventuring careers to that point.So they wouldn't have arrived in Ptolus with 3,000gp to spend.  They would have arrived in Ptolus with items aquired over months/years of adventuring that just so happen to add up to 3,000gp.It is a subtle difference but from a realism perspective that is how you can explain why they can't blow all their money on a single high value item.Now if they then wanted to trade in some of those items for other items at shops in Ptolus they can.  However it is doubtful that they will get the full market value for the goods they currently own.In my campaigns when players start at higher than first level I let them pick some of their items themselves but I put a limit on what percentage they can spend on any one item.I also pick some of their items for them, rather than just let them pick them all.  This stops players that bring in new characters having super optimised gear compared to the existing characters in the campaign.  It also means that they get items that are different from the standard (and often boring) +X Stat bonus item, +X sword, +X armour, +X protection item. Olaf the Stout</blockquote>

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