D&D -> DFRPG: Gold to $

[beaushinkle]

In dripton's castle whiterock conversion, they used 1 gp = $1. I'm pretty sure this went on to influence Charles Saeger's gold conversions here. The aim of this post is to analyze that conversion.

That same castle whiterock conversion notes that each level of D&D character growth feels about like getting 25 points in DFRPG, and a level 1 D&D (3.5) character feels about as strong as a 125 point DFRPG character. This means that a 250 point starting DFRPG character is roughly equivalent to a level 6 3.5e character.

Here's the wealth table from the 3.5e DMG:

| Level | Wealth   | Level | Wealth  |
| ----- | -------- | ----- | ------- |
| 1     | starting | 11    | 66,000  |
| 2     | 900      | 12    | 88,000  |
| 3     | 2,700    | 13    | 110,000 |
| 4     | 5,400    | 14    | 150,000 |
| 5     | 9,000    | 15    | 200,000 |
| 6     | 13,000   | 16    | 260,000 |
| 7     | 19,000   | 17    | 340,000 |
| 8     | 27,000   | 18    | 440,000 |
| 9     | 36,000   | 19    | 580,000 |
| 10    | 49,000   | 20    | 760,000 |

If we use a 1g -> 1$ conversion and play through an adventure, a character that adventures from 125 points up to 250 points will be 13x times wealthier than a character that gets created at 250 points, or 1.6x as wealthy as a character who spends 20 points in the Wealthy advantage, and 5 quirk points in extra starting money for the maximum starting wealth of $8k.

Additionally, we can see that an adventure suitable for 250 point characters (6th level) would generate $6k in wealth for each character. Not loot - wealth; meaning either coinage, stuff they'll actually use, or stuff they can sell at a discount to get to $6k. For instance, say there's 4 party members. That means that over the next 25 character points, we would expect to award $24k worth of character wealth. Say that 1/3 of this is coins ($8k in coins: 5g 225s 1500c), $8k in usable equipment, and $20k more in sellable goods (luxuries, art, gems, etc). That way when they sell the $20k at 40%, they get $8k. They split everything 4 ways and each character gets $6k in wealth.

What is the Buying Power of $6k?
This one is pretty simple: it'll buy you +1 Accuracy on your weapon and +1 Fortify on your armor if you're a martial. It's 37 scrolls of 8 HP Universal Uncharged Major Healing. For a magic user, it brings a $1000, 8 FP power item to 20 FP. It buys a horse, wagon, and 10 weeks of a 125-pt hireling to guard it.

How does this stack up to Published Adventures?

• I Smell a Rat has ~$5,800 worth of loot after liquidating
• Mirror of the Fire Demon is hard to do the accounting for. None of the wandering monsters or NPCs have treasure included or any guidance for how much wealth they ought to have. The Hidden Fortress has treasure listed, so we can use that. Total: $30252
• Hall of Judgment (ignoring wilderness travel random encounters): $220586

As an aside, I find it frustrating that none of these adventures provide information about how much an item is worth if you misidentify it. For instance, I Smell A Rat mentions: "The Lesser Kunsian Book of the Dead (12 lbs.) worth $500* on the open market. Requires a Religious Ritual roll to evaluate." How much is it worth if the player fails their Religious Ritual roll? More legwork for the GM on each item.

At any rate, after splitting the treasure, the adventurers would come out of I Smell a Rat with $1.4k each (though probably not 25 character points), MotFD with $7.6k each, and HoJ with $55k each.

I Smell a Rat seems miserly, MotFD seems like a fun amount of money, and HoJ feels like it makes the characters have far too much wealth and now the the GM is on the hook to try to find a way to take this away in order to continue challenging players (otherwise the characters can buy huge stockpiles of charged scrolls, tons of hirelings, very nice armor, etc).

This happens in HoJ for two main reasons: the characters are given two extremely expensive magic weapons ($34k sword at the beginning, $25k sword from the warden at Logiheimli), and the characters are able to loot Logiheimli after cleansing it (96 alcoves each of which has a 24% chance of containing ~210 silver for an expected value of $97k in coinage from looting graves).

Conclusion
1g -> 1$ holds up surprisingly well. It gives module writers some benchmarks to aim for and balance around with regards to buying power. If the author thinks that the adventure will run ~7 sessions (~3 points each), and then award ~5 bonus points at the end, and the adventure is aimed at 250-point characters? Endeavor to give out $24k in character wealth for 4 players. Think it'll run ~4 sessions (for a total of 17 points), and it's being published for 300-point characters? Amortize: 17/25 * 9000 * 4 = $24k.

This also gives us some sane by-session numbers to keep in mind as GMs. If your players do something unexpected for a session and you need to make up some loot for a party of 325-pointers, it's appropriate to give them 13000*3/25*4 = ~$6240 in wealth.

An alternate Character Points system
Finally, this lets us create AD&D treasure => character points systems if we'd like. Rather than rewarding character growth for exploring, roleplaying, avoiding traps, defeating monsters, or some hazy by-session metric, we can make it a function of current character points and treasure earned.

For instance! The above chart says that a 300 point (level 8) character ought to have $27k wealth, and that a 325 point (level 9) character ought to have #36k wealth. Thus, 5x 300 point characters would need to accumulate a total of 45k wealth before they reached 325 points. Diving by 25 yields means that every $1800 the party earns, each character gets a point.

Played a session and ya'll discovered $7200 worth of treasure? Everyone gets 4 character points. Now everyone knows what the goal is (earn treasure), and can align play behind that goal. The higher character power you get, the more treasure you need. Have a party of different character powers? This will serve as a catch up mechanic.