I feel this is a question of whether you favour raw power or enjoy tactics. If you design all your characters in a way that you finish the fight in round one, you probably like explosives even better than the Martial classes. Personally, I like my wizard for all the reasons, and think the only buff he needs is two levels of something that makes good use of bonus actions.
As for the money, there's a difference if you have a charisma character who has been on good terms with every trader since act 1 and one that wasn't min-maxed for wealth, but as long as you sell every heavy armour you find, you aren't poor during endgame either way.
