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Message: <blockquote data-quote="Ridley's Cohort" data-source="post: 3196498" data-attributes="member: 545">I have seen this effect in play, and the difference can be startling.I am in one campaign where the DM seems to believe we are at standard wealth.  We are probably close to 90% but only if you assess every single last random potion and third +1 weapon at full market value.  And then there is all the weird cruft padding the total.I could easily build an equally or more effective PC with 50% of standard wealth buying items from the DMG.One of the players created a new PC at standard wealth and his raw combat ability is a good 1.5 levels higher than the party average.  He is a meatshield, but he is certainly much more fun and effective outside of combat than is typical for meatshields.</blockquote>