I had to cure a Houndmaster with a case of Egomania in the first month, and the costs are already mounting.
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Then your whole party become nymphos and then the costs get worse.
TBH it's not the costs that hinder you it's the fact your star guy's are out of action while they recuperate.
Meaning you have to send out your B team.
Also made the mistake of overleveling my main guys, learned the hard way that higher level adventurers wont go in to low level dungeons.
It's funny it's almost like it's a natural selection simulator. You are likely going to defeat the end boss with an assortment of the best from multiple groups. You are likely to be left with those with the best traits for adventuring. Assuming you don't bollocks things so bad you have no gold left to even equip your team with at least one torch.
If you lose one of your A team you kind of need to start a new team from scratch just to replace one guy.
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