I still think having a toggle for low loot is the most pragmatic option. If loot is made sparse, there will be complaints, just as there complaints for loot being too abundant.
Having modded DOS2, and being familiar with how it is laid out under the hood, it is such an easy thing to do. I wouldn't be opposed to modding BG3 if needed, but not from the outset for fear of spoiling or ruining something
