I don't think they are a problem and I don't think you can solve that problem, whatever you do, for some weak races/classes until mid-game (short of a radical diminishing encumberance penalty and/or the effect of STR on it).
What difference exactly, apart of the difference between quitting the game in frustration or playing on, when the bad thing happens?
Yes, I agree this is bad and it would be nice to limit the early game trading micromanagement (e.g. a spell to get 50% of the value on the spot, or shops not buying items at all, or something smarter). But risky stashes completely don't change that, because if it's only money you actually don't care so much.
Where the real difference lies in in stashes of artifacts, rare items you long hunted for and then long enchanted and vital commodities for ironman. Also, the frustration comes when you've almost cleared a vault or a special unique level (in O, say) or finished an epic fight and you are teleported from the level just before even IDing the loot. Yeah, it's very funny, but when it happens the second and third time, it's just pure pain.
I think this is not _risk_ and it adds nothing to the game, except some cheap surge of blood pressure. I mean, risk is when you have choices and, knowing the odds, you take a risk. I this case, very often (almost always in case of e.g. a Hobbit Mage) you don't have any choice. You can deliberate very long whether you'd rather risk losing the Arvedui or that ego Lance with ESP, but I don't see how this is so very much fun.
P.S. I really like inventory management, so the decision if in the incoming fight I'd rather use Arvedui or a Lance with ESP or both at the cost of -2 to speed is fun to me. But insurance accounting and storage risk management is not what I look for in high fantasy games...
If it stops being dangerous to leave things around to pick up later, that makes a major difference to the game.
Too heavy but worth a lot of money? Leave it there, I can pick it up just before I use WoR, and so on.
Where the real difference lies in in stashes of artifacts, rare items you long hunted for and then long enchanted and vital commodities for ironman. Also, the frustration comes when you've almost cleared a vault or a special unique level (in O, say) or finished an epic fight and you are teleported from the level just before even IDing the loot. Yeah, it's very funny, but when it happens the second and third time, it's just pure pain.
It's an inventory management game, and that risk is part of it.
P.S. I really like inventory management, so the decision if in the incoming fight I'd rather use Arvedui or a Lance with ESP or both at the cost of -2 to speed is fun to me. But insurance accounting and storage risk management is not what I look for in high fantasy games...
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