What to do with treasure?
In fantasy role-playing games, particularly those which link character advancement to recovery of treasure (of which practice, for the record, I am a fan and proponent), characters are going to accumulate a lot of silver, gold, and jewels over the course of an adventuring career. There is, unfortunately, a dearth of things on which to spend it in the rule books. At character creation and shortly thereafter, the focus is on the acquisition of basic adventuring gear. A newly-created PC may have to economize, especially on armor and weapons,but by second level, most of those concerns have been settled: a fighter who's accumulated enough treasure to gain his first level advancement has more than enough to purchase a suit of plate armor and his weapons of choice (if he hasn't already found magical versions) and probably a warhorse to boot. Mid-level characters may take interest in the "vehicles" section of the equipment roster, contemplating the purchase of ships or wagon...