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Old 05-01-2023, 08:40 AM   #1
Anders's Avatar
Join Date: Jan 2005
Location: Gothenburg, Sweden
Default How much treasure per adventure? [125-pointers]

Starting a campaign with 125-pointers from Delvers to Grow. How much would you recommend in loot for an adventure lasting two to four sessions? How much loot per adventure?
“When you arise in the morning think of what a privilege it is to be alive, to think, to enjoy, to love ...” Marcus Aurelius
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Old 05-01-2023, 05:01 PM   #2
Join Date: Jan 2008
Default Re: How much treasure per adventure? [125-pointers]

Offhand I'd recommend $10K-15K in goods (subject to the usual 40% sale price constraint without Wealth/Merchant etc.) and $3K or so in cash value, scattered throughout the adventure in such a way that the players will probably miss 70%+ of it unless they are unusually through.

The exact value of treasure isn't as important as planting more treasure than you expect players to find, but I'm giving numbers anyway so you can average them with other people's recommendations. Use them or not as you please.
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Old 05-01-2023, 05:55 PM   #3
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Default Re: How much treasure per adventure? [125-pointers]

Thank'ee sai.
“When you arise in the morning think of what a privilege it is to be alive, to think, to enjoy, to love ...” Marcus Aurelius
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Old 05-02-2023, 09:44 AM   #4
Join Date: Dec 2009
Location: Saint Paul, MN
Default Re: How much treasure per adventure? [125-pointers]

I'm usually pretty generous with loot, partly because my players spend it pretty freely on extravagances (better meals, better rooms, fine clothing, jewelry, gifts... and occasionally on some upgraded adventuring gear). With that said, it can be fun to roll the numbers around.

A baseline is the $150/week cost of living. In order for adventuring to make any sense at all, a character needs to clear enough money to pay for life in town between adventures. If the loot is cash, that's $150 per week per character. For other loot, it's $375 for average wealth characters (since they sell at 40%). A party of four needs to clear $600 cash or $1500 in goods to live for a week between adventures. I'd double that right out of the gate to cover consumables and the replacement of damaged or lost gear. Most PCs probably want more than a week of R&R between adventures, too, so it might double again. Add to that any expectations of purchasing gear upgrades, enchantments, temple services, etc. I'd say the very low end for a 4-person squad is something like $4000 cash or $10,000 in goods. (The latter value can go down if the party has a PC who commands better prices.)
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Old 05-02-2023, 11:53 AM   #5
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Join Date: Jul 2004
Location: Montréal, Québec
Default Re: How much treasure per adventure? [125-pointers]

I had a nice post written and my power went out. Yay? Briefly:

It's easy to soak up too much money with cost of living, healing at the temple (including resurrection), hirelings, power item recharges, repairs (to favorite weapons and armor that get corroded, splintered, etc.), special orders, training expenses (optional), and of course money in the collection plate after divine intervention. You can find all this and more in the books . . . I haven't time to go back and cite the pages a second time.

It's harder to find new players if you're stingy and they give up because the knight can't get her expensive plate armor repaired, the scout can't afford arrows, and the casters can't keep their power items charged, so they're always working below full efficiency and never getting to do classic FRPG stuff like resurrect dead friends and hire porters to carry their spare weapons.

So, be generous with money. My personal approach is to use the exchange rate for points for cash at character creation (1 point = $500) as a gauge of how much money the whole party should get on an adventure that generates on average that many points. For instance, if you go with the recommended 0-5 points per session + 0-5 points for adventure completion, a four-session adventure will earn an average of 12-13 points per hero, so the whole group should get at least $6,000-6,500 in flexible cash.

"Special" items – gear of extraordinary quality or composition, magic items, one-off artifacts, etc. – live outside this framework. I try to include one item like this per party member. I don't worry much about trade-in value, as I use Selling the Unique pricing as a cap. More important, I make the items impossible to find in town and very useful, so people are inclined to keep them.

Finally, I don't scale cash to character point total. I see no reason to do that. I'm the sort of GM who has no issues with 62-point wannabes getting more from clearing a rich merchant's basement of rats than a gang of 500-point clerics and holy warriors get from doing the gods' work against demon lords. That said, rat-clearing is likely to be a two-session thing worth ~5 points while a visit to Hell can end up being a dozen hard sessions worth ~50 points. I do scale special items, though . . . I don't look at price, but rather at how special an item has to be to matter to someone that competent. This is less special for 125-pointers than for 250-pointers, but it isn't a calculation.
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