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I run a long term pirate game where the PCs run a pirate crew of some ~30 NPCs and occasional PCs of varying levels. Here's how we handle equipment in it. I want to preface this by saying we don't use WBL much - WBL is only a guideline to let you know if a PC might be lacking assumed abilities at their level and to have a quickie budget to equip NPCs with, ...


The most important thing to keep in mind the purpose of wealth and the WBL guidelines in Pathfinder: Reward players with fun things. Ensure that players have access to the magic effects that the game assumes they have. This is numerical (e.g. cloak of resistance) as well as effect-based (ways to deal with damage reduction, swarming, invisibility, flight, ...

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