The itemization in ToEE in general is all sorts of deranged, honestly. Your money would fluctuate like crazy if you craft wonderous and magic items as they are expensive to make but the loot you get is worth ridiculous amounts of coin. Killing a certain character in the first town, which can be easily done at levels 4-5 or so, nets you a +3 chainmail, while your first full plate can only be obtained (without mods) about halfway through the game. There are tons of weapons but very few options (without mods(1)) come in magic or masterwork (enchantable) versions, though it can be bypassed via using the Magic Weapon spell to make a weapon temporarily magic and applying a non-enhancement effect, then waiting until the spell ends. And if you plan on using a monk (without mods(2)), then having a druid in the party is kind of a must, because to make the amulet that increases unarmed attack damage you need the Magic Fang spell.
