>>6157197Well if you are just doing the dnd gold piece silver piece thing, there is this table
https://www.dndbeyond.com/forums/dungeons-dragons-discussion/dungeon-masters-only/79378-character-wealth-gold-by-levelI actually use this as a reference when playing NwN2 modules in the character builder even though I think that the videogame is a modified 3.5e ruleset lol but the rough benchmark I have in my mind is Full Plate is about 1000gp to 1500gp so according to that scale you shouldn't be able to afford it before level 5 in a well-balanced game economy though in reality few module makers adhere to it in campaigns even the pen and paper ones lol especially if your trek laboriously back and forth selling every looted shortsword or leather armour. dnd economy is nonsense though
There is also a less arithmetically intensive approach, it is the lifestyle or weath tier approach, there is no gold coin "amount" basically all bargaining / buying selling acquisition haggling is an abstract skill check against a set of resources or lifestyle tiers to which you belong (imagine it as a social stratification akin to a credit rating etc) so if fantasy you could have some lifestyle tiers like scoundrel / vagabond / beggar, peasant, bourgeois merchant, landed aristocracy, monarch, emperor etc as reference, and your skill check against these wealth tiers, if you fail you potentially drop down a tier etc. See pic related Burning Wheel rules, which uses a dice pool obstacle (number of d6 successes, where fail is 1,2,3 and succeed is 4,5,6) Alternatively you could use that Black Hack step dice or depletion mechanic (ie dice step of d4, 46, d8, d10, d12 etc to represent wealth, the check is greater than or equal to some threshold typically 2 otherwise drop down a step die etc)
