Charms cost a huge (for most inhabitants of Rivelion) amount of money so inserting any charm would be very costly.
Inserting a charm into an item makes only sense if it will be of any use to you - why should a simple folk insert a charm boosting (for instance) poison résistance, if he (or she0 wouldn't have much contact with any dangers requiring that resistance.
Let's assume that one of his grand, grand, grand fothers was a snake catcher, thats the reason for having the ring with poison res. (hmm, at second thought those, who catch snakes have natural resistance to poison), but, he was a beginner snake catcher. <img src="/ubbthreads/images/graemlins/stupid.gif" alt="" />
And as for charm, hmm he found it at the old burned house deep in the swamps.
<img src="/ubbthreads/images/graemlins/smile.gif" alt="" />
Does this make sense?