I'm all in favour of there being consequences for actions. People who wander around alone in uncontrolled lands get robbed, I have no problem with. People who wander through wild lands with a sizable guard contingent, not so much. I just want there to be a way to edge the odds in my favour (grins).
I agree.
But if the options are, "Random chance of theft, about which I have no control, other than not using one of the more valuable functions of my class," and "No random chance of theft," I would think the burden of proof should be on demonstrating why we SHOULD have that random chance.
Obviouslly, yeah, I think there should just be some way to "insure" yourself: paraphernalia that you have to regularly pay would be one way to do this. It'd be double-cool if you could only "buy" them at temples. And triple cool (though as soon as I say this I realize it'd be very exploitable) if the "pay" you gave to your paraphernalia piled up at the temple where you hired them.
All of which I'm sure is fiendishly complicated: so maybe just a simple paraphernalia, "Bodyguards," or maybe "Constables."
