Here's what I'm getting at, coming from the other side of the wealth issue:
•Ring of Prot +3: 18,000
•Cloak of Res +5: 25,000
•Amulet of Nat +3: 18,000
•Magic Armor +4, no extra enhancements: 16,000
(Possibly a shield for another 9-16k)
•Magic Weapon +3, no extra enhancements: 18,000
•Belt of Giant Str, or Equiv +4: 18,000
All of the above are assumed by design. If you don't have them, the CL numbers will be off. (Bonus amounts varying by character level, of course.)
That leaves 25,000 GP if you don't have to enchant a shield, and even less if you do.
25k is supposed to cover any and all:
•Other magic items or enhancements (likely more fun ones at that - Handy Haversacks, Bags of Holding, Boots of Speed, Any other Ring, etc.).
•Consumables, magic or otherwise (Potions, Oils, Wands, etc.)
•Quality-of-life expenses (Raise Deads, Expensive Material Components, RP expenses, etc).
So while the provided lists of consumables I see above do, in fact, cover lots of contingencies, I can't help but notice that it's a whole lot of "one-ofs."
So when you blow your stash, you may have survived *that* fight. But you don't have any money to replace it. And if you do spend your loot replacing it, you won't have the money to save to upgrade your "necessary" magic items.
(The "big 6" is really the problem here, but it doesn't help the topic to ignore that it is, in fact, a problem.)