Your last point is surprising. I've done many PT's now, the last few with an extended party (6 to 8) who need even more armour and weaponry, and I've never really fallen short of gold. My current PT has arrived at the Morphic pool, so I have all the items I need and want and still 13.000 GP in cash. I did not steal or pickpocket any gold or valuables. Just accepted rewards, found or looted, and sold items of value, and bought the items I wanted in return.
