I was wondering how GMs out there are going to use the High Living rule. I understand it's purpose, but as written it seems pretty unrealistic. If a character is saving a bit of dough for a new weapon or armor, he'll be saving a long time until he hits the jackpot on one of his adventures. With a Greatsword costing 200sp, it seems pretty harsh to force a character to spend half his cash over 50sp. I really do like the intent behind it though, to keep characters from walking around with rucksacks bigger than they are and to keep them hungry for the next adventure. I've thought of a couple of ways that I could try to make it work, but they are flawed.
1. Make it a random chance that the High Living rule will go into effect. Say 50% chance per week that you will falll under the rule, so it does leave a good chance that a character can carry over some silver from week to week.
2. Allow a Will save to hang on to your silver. This would give Scholars an unfair advantage and turn them into money lenders or give them an unfair advantage in equipment.
3. Every week, subtract d100 silver from a character's hoard.
4. Allow characters a flex spending plan, if they are saving the money for weapons, armor, tomes, or even ships, that money set aside is immune to High Living. I think it's bean counting though.
Does anyone have some other ideas? The rule works at lower levels, but higher up you may want to invest in some armor worth 1,000 sp+.
1. Make it a random chance that the High Living rule will go into effect. Say 50% chance per week that you will falll under the rule, so it does leave a good chance that a character can carry over some silver from week to week.
2. Allow a Will save to hang on to your silver. This would give Scholars an unfair advantage and turn them into money lenders or give them an unfair advantage in equipment.
3. Every week, subtract d100 silver from a character's hoard.
4. Allow characters a flex spending plan, if they are saving the money for weapons, armor, tomes, or even ships, that money set aside is immune to High Living. I think it's bean counting though.
Does anyone have some other ideas? The rule works at lower levels, but higher up you may want to invest in some armor worth 1,000 sp+.