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Originally Posted by Andreas
The highest category of Patron does not have literally incalculable assets. It says "basically incalculable" and the example organisations given are a national government and a giant multinational organization.
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Or a god, which therefore can include assets up to the entire universe. Besides any one item of adventuring gear which can be bought for money can obviously be purchased by
at least the largest actors in an economy, otherwise the item wouldn't have a market price at all.
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Also seems like a dubious assumption that the Patron would give out equipment worth as much as all its assets....
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In the typical case that the patron is deceased and you are inheriting his assets this is exactly the case. Typically most items aren't going to fall exactly on one of these breakpoints anyway. In the case of the $400k suit of armor capping at [16], it's $600k short of the cap in an TL3 game. Anything from $8000 to $1,000,000 should have that cap and $8000 is only .08% of that notional patron's assets.
Most reasonable signature gear is going to cost less than this cap in most campaigns, and I think you'd have to really stretch to come up with ones that would need the next cap, that wouldn't either actually justify a new Wealth level in their own right or be impossible to retain; i.e., if you inherit a castle you either are now effectively the lord of its lands or you can't actually hold it. It probably would be reasonable to cap Signature Gear at say 500 times wealth or something anyway (which still lets you get Flyn's armor for [16]).