Looking at Wealth in GURPS

 

Having more money is an advantage and less a disadvantage as it affects your starting capabilities. However, access to wealth is more complicated and will be very campaign specific. For instance, after the campaign begins how do you continue to get income? Jobs, passive income, or adventuring?

There are a number of options, but they have been expanded upon in supplements so here is an overall look.

Starting Wealth

see p. B25

You start off with a base amount of money and goods assigned by the GM, typically based on Tech Level (p. B27). Then pick your Wealth level which can be a disadvantage or advantage and modifies that base starting amount. Partial Multi-Millionaire (GURPS Spaceships 2: Traders, Liners, and Transports; p. 26) offers additional fine tuning.

This can get very expensive, but fair is fair, starting with a lot of money is a huge advantage.

Additional fine tuning can be done using one or more of the following.

Signature Gear (p. B85) gives 50% of the average (not your own) campaign starting wealth per point. There are a couple of caveats that come with this too.

Signature Assets (GURPS Spaceships 2, p. 27) I an enhancement to Wealth that multiplies starting wealth by 5% per +1% but only towards SM+2 assets, say a starship. It is capped at +20% for +100% of starting wealth (yours not the campaign average as it’s applied to the Wealth advantage).

You can also trade points for money (p. B26).

Finally, you could apply Potential Advantage (p. B33) Heir to Wealth, meaning you pay half cost but get half the starting wealth at the beginning. This one can be abusive though so GMs should be wary as Wealth increases multiplicativity you can get more than you paid for.

All of this affects how much you start the campaign with, not how much you earn on a regular basis. Though certain levels of Wealth may be a prerequisite for certain jobs.

Income During Play

Generally, you get money from working or adventuring. Independent Income and Debt (p. B26) can represent passive income or regular expenses. This is limited to 20% of your starting wealth. But unlike Trading Points for Money or Signature Gear this is affected by your Wealth level.

Ongoing Expenses

This includes Debt, Cost of Living (p. B265), and whatever comes up.

 

That it?

For most campaigns the above is probably just fine. You know how much you start with and have ways to get more money during the game, even a base line cost of living.

But there should be some other options, so here are some ideas.

Patrons and Benefactors

A Patron (p. B72) is a government, organization, or person who helps you out. Make the Appearance Roll and they offer some aid or advice. The Equipment modifier (+50% or +100%) means they will give you gear.

Hmm, asking for a loan you don’t have to pay back is rather like income, isn’t it?

So Patron (Sponsor, Fans, etc.) with Equipment, +50% can give you campaign average starting wealth. More for the +100% level! This could just as easily be a reliable supplier of goods for you to sell.

Not as dependable as Independent Income but it is another possible source of income or goods. Minimal Intervention is also an obvious limitation.

But what about say the scientist looking for help to cover inventing costs or a captain looking for a new ship?

Patron (Bank/Investor)

You have a good track record of borrowing money and paying it back. Banks or investors are willing to loan you money because they are confident, they will get it back with interest or another bonus. How much you can get is limited by the Patrons’ assets.

Equipment (+50%) gives you up to campaign starting wealth. Failing the Appearance roll means you couldn’t reach them, or they just did not want or could not offer you the money.

Minimal Intervention (-50%) You get what they think you need is a fair way to price the Patron choosing if the loan is appropriate or not.

Temporary Disadvantage (Duty or Debt) lasts until you pay them back. Debt is easy, just pay that amount each month. Duty might mean you get sent on jobs for them to pay them off, or perhaps just to cover the interest till you pay back what you borrowed.

Signature Assets (+1% and up) if it were allowed can give you +5% more money per +1%. +50% would be +250% of your Starting Wealth (up to the Patrons resource limit). Since Equipment (+100%) does not mention a limit this seems weaker or less valuable. However, I like the idea of it being tied to your Wealth advantage (normally minimally useful after the campaign start) and an actual cap the player and GM both already know rather than an arbitrary limit the GM applies if just using Equipment (+100%).

 

Lets wrap this all into a new modifier to keep things simple and avoid confusion with how the modifiers may normally work.

Enhanced Credit

This modifier to Patron (usually a bank but might be anyone willing to lend) represents your value to them as a reputable borrower. When you want to ask for equipment or money from a Patron make its Appearance roll and submit the request. Administration or other skills may help, and the Patron decides what is appropriate and reasonable as far as the loan is concerned. Success allows you to borrow up to 50% of your Starting Wealth (not the campaign average). The value of the loan should be limited to what can reasonably be expected to be paid back or written off. Resource Value (GURPS Boardroom and Curia, p. 10) is a good cap on what can be written off. Repayments should include interest or other benefits to the Patron. GURPS Spaceships 2: Traders, Liners, and Transports (p. 27) has suggestions for a space campaign, otherwise use what is appropriate for the setting.

Statistics: Enhanced Credit is a metatrait consisting of the following. Equipment, +50%; Minimal Intervention, -50%; Signature Assets, +10%; and Temporary Disadvantage, Duty, -10%. +0%.

Edited

While I like the Patron who can give equipment as an idea, the Enhanced Credit and Patron as lender just isn't good enough. I was thinking about how PCs could afford something unusually expensive but I don't see anyone wanting to pay points for this kind of thing. Not after a night sleep anyhow.

I'll leave it up for posterity and there is some decent stuff here, but this will need more pondering.

Review of GURPS Power-Ups 10: Skill Trees

 This is really an Alternate GURPS type of Supplement. I personally love skills over classes, however skill lists can be pretty long - especially in a game system designed to support all genres and settings.

GURPS Power-Ups 9: Alternate Attributes offers ideas for adding to or replacing the primary attribute set and this does something similar for skills.

In GURPS you roll against attribute + skill to accomplish most tasks. Picking a good mix of skills lets you fine tune a character to suit your tastes and needs. This lets multiple characters of the same basic type or role feel very different. However, it can be overwhelming and new players often miss important skills.

Even experienced players can do this, or misremember a skill and what it does. Wildcard skills (introduced in GURPS Basic) are one way to deal with this problem but they are very cinematic. GURPS Power-Ups 7 Wildcard Skills explores and expands upon them.

GURPS Power-Ups 10: Skill Trees is another way of handling this issue, less cinematic and more like Talents. Skills are grouped into broad categories called Trunks with subcategories of Branches, Twigs, and Leaves.

This feels more like a narrative game if used and the concept is more intuitive than a long skill list.

For example you could have a Trunk called "Animal" (listed in the supplement) and animal skills are included in it. You can do the same with Talents but they have at least two drawbacks.

1. If the affected list is large enough its often just as good to just buy the the primary attribute.
2. With a high enough Talent you can be just as good using a skill at default plus Talent as a trained person. I never really liked that myself.
3. In many cases the Talent does not cover as much as you would like, notably trivial rarely used skills are rarely explicitly included. Power-Ups 3:Talents  mentions the idea of simply including some of those for free but it can be a time taker at the game table.

It includes 26 skill trunks and enough guidance to make more that suit a specific campaign.

For example in an IOU or other college based campaign each major course of study could be its own skill Trunk. Each student would learn Scholar as a part of core academic training but also something like Natural Sciences or about half the other listed trunks would suit a Academic Divisions or Departments and each student would learn such a trunk but add detail of specific branches, twigs, and leaves that suited their interest and class schedule.

Some Examples

A specific martial style would typical be a branch and practioners could train up subcategories of twigs and leaves to represent their individual choices and flair.

This would suit Ritual Magic (optional version of the default magic system) rather nicely.

Lets say I wanted to use this for Shaman.

Shaman

Aptitude for interacting with spirits and peoples attitude towards them.

Main Skills: Autohypnosis, Diplomacy, Dreaming, Esoteric Medicine, Exorcism, Fortune-Telling†, Meditation,  Occultism, Public Speaking, Religious Ritual†, Ritual Magic†, Savoir-Faire†, Symbol Drawing†, Thaumatology, Theology†.

Other Skills: Any Current Affairs, Expert Skill, Hobby Skill, or Professional Skill relevant to gossip, rumor, paranormal activity, or anything that may be attributed to spirits.

That list took me less than 5 minutes to build using examples in the book, I took bits from two existing trunks.

It lets me build a shaman who is less cinematic than using a wildcard but results in a pretty clean sheet compared to buying and listing each skill separately.

If I wanted to give it more oomph, say in a campaign where spirits were real.

I could apply From Skills to Advantages (Pyramid #3/44 Alternate GURPS II) or simply apply modifiers to a trunk or subcategory. For example Add Cosmic and Reduced Time to do things faster. Most enhancements would likely be overpowered with a prerequisite Cosmic for each type. This might be a good thing to consider if doing this for a campaign or another edition of GURPS.

Summary

Overall I am not sure how much use this will see in my campaigns. Largely because were all used to the current method and changing will take some getting used to.

On the other hand I am considering partial implementations such as 

Skill Boosters such as some magic items and software that can enhance someone trained or not this can replace Talents in that roll. Its a bit broader but feels better to me, at least narratively.

Specific Training Programs or Martial Styles could benefit from this with no real hassle for my players or me as the GM in tracking something new. We just treat it roughly like a Talent. And I would include the Untrained Tasks section (p. 17) in this.

Offhand I would love to see this in GURPS 5e or perhaps a supplement bundled with Alternate Attributes and wildcards (which may need redoing for this as an Alternate GURPS GM Guide.

I also feel it is better for lower point campaigns where you want people to not be incompetent at related material.

 

ST in GURPS

The ST attribute is scaled around human realistic capabilities. For most campaigns this is ideal, but super heroic campaigns it is very expensive to  preform some of the lifting feats we see in comics.

ST does not boost a lot of skills but increases damage dealt with low tech weapons and punching plus is a big help in grappling. It also increases HP, meaning you are harder to kill. Also you can carry more so its useful even in a high tech society.

Grappling

Combat in GURPS is probably among the most flexible and tactical of all RPGs out there. Grappling is a bit anemic in GURPS Basic and I would like that to change in a Fifth Edition.

GURPS Martial Arts: Technical Grappling was a very sophisticated and detailed take on improving this. The author later wrote Fantastic Dungeon Grappling a more streamlined take on the topic. I would like to see this added to a GURPS Fifth Edition, either in that version of GURPS Characters ort a Martial Art or combat supplement. I feel the material is solid but could use a little more detail for nonhumanoid's and special situations. A New Take on Grappling, Pyramid #3/34 Alternate GURPS is another effort to improve grappling and also worth a look and has several interesting articles.

Lifting Great Weights

The standard system is good enough for most purposes, even really strong humans. However for a Supers setting I recommend Knowing Your Own Strength, Pyramid #3/83 Alternate GURPS IV which offers a Logarithmic lift rating. This is a solid way to resolve the issue.

Another option is Super Effort on ST, a +300% Cosmic enhancement introduced in GURPS Supers.

I find the first better but the second is still pretty simple. Write down ST as two numbers, the base ST and the modified ST for when you pay that FP to boost it.

Privilege, an Alternate GURPS Advantage

I really like GURPS, but no system is perfect and there are some things people would like to change if they could. This series of posts would be things I would like changed in a hypothetical GURPS 5th Edition. This is purely an exercise and I have no word on if or when such an edition is being worked on, nor am I likely to be specifically asked for recommendations.

However, as a fan we all have our pet things (often contradictory, meaning a new edition cannot please everyone) I will just list some of mine.

GURPS has several social advantages that I think can be combined. Combining things can result in a less intimidating ruleset IF the consolidated material really works well together and is not too complicated.

Claim to Hospitality is tied to an organization or social construct. Diplomatic Immunity grants some protections. Legal Enforcement Powers lets you enforce the law and grants some protections. Security Clearance grants access to information. Tenure prevents you from being fired. I think these can be easily combined into a single advantage.

Privilege

You have been granted access and authority beyond what other people typically have. This may be granted by a government or private entity and is only recognized where appropriate. These privilege's can be suspended or removed at any time and are typically linked to a specific job. What is available is limited to the scope and jurisdiction of the organization, though allied organizations may extend similar "courtesy" privilege's.. Halve the cost (rounded down) for minor organizations of limited ability or importance in the campaign. The GM may build certain packages for the campaign to ease character building.

Sum the various items below and list it on the character sheet as Privilege (Organization; traits) [cost].

Clearance: Your organization provides you the information and material (weapons, computers, labs, etc.) you need to do your job, but sometimes that information or equipment has uses outside work or beyond others in the same role. Narrow range of information or equipment on a "Need to Know" or use basis [1]. Either free access to a narrow range or broad job access to relevant material. [5]. Free access to a broad range of material. [10]. Need to know requires it be strictly needed for your job as defined by your superiors. Free access has much more latitude and usually only requires signing for it.

Enforcement: Local jurisdiction, the ability to arrest suspected criminals, perform authorized searches, and possibly carry a concealed weapon. [5]. One or more of  national or international jurisdiction, or ignore civil rights, or engage in covert investigations, or kill with relative impunity. [+5 each].

Exemption: You are exempt from certain aspects of ordinary law enforcement. This often comes with another organization that applies its own rules to you. Replace ordinary laws with similar rules that are just as strict [5]. Less strict [10]. You can do nearly anything you please provided you don't injure the organization that granted you the immunity. [15]. Diplomatic Pouch [5].

Hospitality: Your organization is encouraged to assist its members, including unofficially having other members help out. Reciprocity is expected and others can call on your aid as well. You can request food, shelter, and basic aid.  A single friend in another city is worth 1 point; a small family, 2 points; a society of merchants along an important trade route, 5 points; vast alliance of wealthy figures, 10 points. Members are friendly towards each other (+3 reactions) and may provide advice, introductions, and small loans, if asked.

Investment: Your invested with basic administrative authority. This automatically includes Rank 0 and gives you the ability act as an "Official" of the organization. You could for example preside as chairperson over meetings, handle the books as a licensed accountant, preside over weddings or other religious rituals, speak on behalf of the organization, residency at a hospital, etc. 

Tenure: You can't be fired through less than extraordinary means. This may be a reward of excellence and being to hard to replace, seniority, political clout and influence, nepotism, or even blackmail. [5].

Special Modifiers

Cosmic, Brotherhood, +50%

    Normally you have to show some form of ID or uniform to exercise your privileges but with this enhancement the appropriate people automatically know you're a member in good standing. Buy this with Selectivity (p. B108) if you need to conceal your nature. This modifier suits some supernatural organizations or exotic groups like the Lensmen of Doc Smiths series.

Summary

This combines  Claim to Hospitability, Clerical Investment, Legal Enforcement Powers, Legal Immunity, Security Clearance, and Tenure with a bit of Patron thrown in. If I were writing it for a supplement, Pyramid article, or that hypothetical Fifth Edition I would expand this a bit for clarity and add some examples but it still saves a decent amount of space and page flipping. It also adds a few bits of utility, such as with the Investment section.

Rules I don't Use, Replace, or Revise

 I really love GURPS but nothing and no one is perfect and there are a few things I do not really like. This is the topic for several bloggers this week so I shall try to chime in with a few comments.

Other posts that are up on this this week are...

Author Christopher Rice

Of Paper Men and Plastic Monsters

Of Paper Men and Plastic Monsters Guest post by Kallaz

Worlds Beyond Earth

Lair of the Chaotic GM

Mailanka's Musings - Psi Wars

My Comments

A few advantages I feel are overpriced or just kinda flakey with mechancics.

Penetrating Vision is priced well for the first level but after that you get significant diminishing returns and I would use the Size Speed Range Table to give it a logarithmic range.

The Min ST capping damage at *3 I like for most campaigns but there should be an advantage to ignore that cap, a perk is probably to low so maybe  a 5 point advantage to ignore that? Only used in highly cinematic or supers campaigns though. Unlike others I feel it is a realistic limit.

Unaging and Regrowth are overprices, though Unaging as Immunity to certain attacks can be worth it. this is a common refrain and PK posted some suggestions here.

Possession by default you die without a host.  I really wish Possession had been written differently and wish we had an Alternate GURPS Pyramid still going to propose alienate ideas. A lot of the modifiers have hidden effects that can muddle the whole thing.

Binding could use a lot of love for some modifiers. Retraction, binding a body part, etc.

As Worlds Beyond Earth by Eric the Red posts above on Jumper and Warp I would like them to be more closely aligned in how they work. In fact I would rather they were one ability with modifiers!

Maybe something like ...

Vanish

Costs 100 points.

You can disappear from one location and reappear in another! This takes 10 seconds, which can be changed using Reduced Time or Preparation Required. It takes an IQ roll to successfully appear at the desired target, this takes a penalty for range using the SSR (p. B550), apply Long-Range (Powers, p. 108) or Reliable to reduce these penalties. If you can travel to other planes of existence, time, or worlds add a modifier.

+50% to Time Travel, +0% if can only travel in time and not distance.

+50% to add World jumping, +0% if can only jump to other worlds but not go any physical distance.

+50% to add Plane Jumping, +0% if can only jump to other planes.

Then add some of the modifiers under Warp and Jumper and include limitations for how many planes you can cross. Also add IQ penalties for world jumping and plane travel, use the entry in Basic for Infinite Worlds. The author of Worlds Beyond Earth has a point on how many worlds you can get to and I would need to ponder on that if I was actually going to publish this ability or use it in a campaign but that seems rather unlikely so I'll leave the idea here.

Also I would like to see the modifiers for Lord of My Domain applied not to Jumper but to something else, say Status (probably requiring a minimum level). Owning your own dimension seems a legit use of high Status and modifying a dimension seems a poor use of Jumper which should be able to get you into any dimension.

On the other hand I at least address one of his complaints in my upcoming Spirit Template supplement.

Enthrallment and Imbuement

I like the idea of these but with no obvious mechanics they are hard ot implement and tweak in a campaign, I feel that is a waste.

Gadgeteer and Inventing

I prefer the rules in After The End but would take them farhger if I could write a supplement on Gadgeteering. Applying a consistent set of rules that apply to various TL, Magic, Medicine, Gadgets, etc.

Magical Enchanting

GURPS Magic has very time consuming enchanting rules, suitable for a low fantasy setting with few magic items. I would like a system that could be tweaked for faster enchanting and covered more options. This has been addressed somewhat in various places such as GURPS Technomancer and Pyramid but I would love it to be gathered in one place.