The next campaign that my DM is running is starting at level 12, which higher than most usually end. The catch my DM came up with is that we all receive 1/4 the starting gold and the magic wal-mart has gone out of business.
With this in mind, I would like to know if there are any tactics or items that would help the group deal with CR appropriate encounters. I am worried about DR and high saving throws.
My party is a Order of the dragon Cav, Stonelord Paladin, Order the Cockatrice Sword Saint, Healbot Cleric, and Transmuter Wizard.
We are allowed to start with magical items but it will be all we have for a while.
Take Leadership and select an Item Creation wizard for a cohort!
The Healbot may also have to provide "temporary" magic items by using greater magic weapon and magical vestment, so providing him or her with some appropriate Pearls of Power might be nice.
DR isn't so bad, but you'll have to plan for it. Make sure to have silver and cold iron weapons, and oil of magic weapon in case you need two things to overcome DR.
You'll need to look carefully at alchemical items too, and be prepared to use plan B. Everyone has a missile weapon, for example.
You MUST have a full caster, preferably two. It's not for the blasting, it's for the water breathing, or fly, or whatever else you need.
You may benefit from classes like the witch or fighter, who can do their thing all day.