I suppose I'll just add mine and duck before the chair hits me
- I would personally prefer if money was difficult to get hold of. Limited money supply at a given vendor seems more than reasonable. (Who would carry 5000 gp around? Really, you are just asking to be robbed!). That said I don't think that putting a hard cap on what could possibly be earned in a chapter (to use Baldurs Gate terms) is a good idea. So I fully support the idea that vendors would after a given time have restrocked their supplies and money.
- A thing I particularly liked about Baldurs gate, and later games was that the loot they droped was the loot they used. I really hope that this is continued.
I have always been slightly saddened to see fully geared enemies attack, and when I finally manage to beat them all they give is 15XP and a pocket full of gold. I don't expect "piles of loot" or magical treasures in abundance, but, giving us their gear is fair, I think.
Thus, if magical weapons are rare then we will also rarely meet them and it will still not be decidedly 'unfair' (for the player, in combat against a given enemy). That said I am not saying I think magical weapons should be rare, I would lay that at the feet of the setting, but like some of the others here I would like my game to be a challenge. I may be stretching the goal of the thread by adding this but; When the difficulty is such that you will have to ally yourself with people you might not like or agree with is about the right difficulty for me. Assembling a group of proficient and like-minded individuals is a privilage not a given.
- Don't tier gear. Please please please! I don't want to run around for two hours finding copper, then bronze and finally iron. Understand me right, I don't mind or care if there is copper, bronze and iron in the game and that these are inferior or superior to each other - what I don't like is constantly fighting thugs with only low-level gear because you (the player) was low-level. If the place you start is some dump in the middle of no-where and there are copper-mines in the area then fine, I'll buy it, but having a given tier drop just because of your character level is just wrong.
I found (and still find) it in large part annoying and un-immersive to be ambushed by copperknife-wielding thugs at the city gates at level 1, and at level 10 in the same place the very same thugs (or their brothers) are attacking again, and behold, this time they raided the weaponcloset and took the Dragon-horn longbow and arrows of slaying.
Those are my thoughts on the matter.