Wealth in DF

[blacksmith]

As dungeon delving needs to be a relatively lucurative field for a variety of reasons, how does such changes in ammount of money relate to wealth advantages and disadvantages?

It seems that haveing little money to start with makes the most sense as to make enough to say justify healing potions and the like you will quickly make enough money to get 1000 worth of gear.

Also with say weapon bonds and getting new magic swords can you transfer it? Enchantment of such things can take an very long time after all.