A sack of DFRPG questions!

[sir_pudding]

Originally Posted by Kromm

Oh, people change ideas and concepts all the time. I was referring specifically to your six-step process, which included "Retire the character" as a permitted step before "Then start the first adventure." People can and do create dozens of characters before settling on one! But bringing them into the campaign, disbursing funds, and retiring them isn't permitted. Trading beforehand happens after all characters are final (that is, after the unit is formed) but before I'd allow anybody to retire.

Deciding not to ever play a character seems to be something that people ought to be able to do.

I am not really sure what the difference between trading beforehand under these circumstances and trading as soon as possible in-play is, except that the former avoids the risks of a) having to fight with the gear on your sheet (or lack thereof in the case of Dead Broke) and b) the starting town not having the thing that you want, both of which, frankly, seem to be a pretty good deterrent to making Mr. Moneybags and the Dead Broke Delvers.