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So it is a monty haul gm after all...
heh, guess it doesn't really matter then. The problem is, some of your party members are going to buy whatever and essentially make it too easy.
I suppose you could limit yourself but since the others are players...they will come fully equipped with the big six at least already maxed out.
Guess if you don't want to optimize get a cube of force , it will give you enough defenses for everything.
rest of the gold, buy property, start businesses etc...
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A Monty Haul campaign (with a "U") was the generic label for a Game Master (and his/her campaign) who would run adventures that were like game show giveaways, except the questions weren't as hard. Players would end up staggering under the loads of gold and gems (except the encumbrance rules often were ignored as well) and cherry-picking which magic items they wanted to keep because they had so many to choose from. Think of Conan the Barbarian with a Star Destroyer.
Also, in the first and second editions of Dungeons & Dragons, Player Characters got Experience Points based on how much money they looted, one to one. So the Monty Haul characters would also end up at stratospheric Character Levels, which would lead to situations in which they were assassinating gods to gain their nifty weapons.
This is a situation most gamers greatly deplore and is sternly discouraged in the Game Master's section of all later games, but it is assumed that everyone went through this stage at some early point in their gaming "careers."
In some other cases though, the Monty Haul game master may be a case of Suspicious Game Master Generosity since sometimes they may take it to bring upon an already dangerous foe and give him a slew of new tricks or has their stats tweaked for whatever to get ready for a tougher battle.
Basically this ^
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What do you do with 200,000 gp at level 3?
Retire.
Any idea how much I should spend for now?
You mean Chaotic Stupid, right? I mean, if he's borderline Evil, but we're playing him up as "not-evil" in an attempt to skirt the alignment system in that he loves killing and torture and pain, but not unless somebody says "Yo momma so fat" to him, then let's be realistic: he's Evil to a T. Anyway...
If you're seriously adamant about not wanting to retire as a 3rd level character with that kind of money, then I'd suggest you get a +10 Weapon (AKA +5 Enhancements with +5 in special abilities). The special abilities can be anything you want, really, but some solid ones (depending on build) are Keen (spares a feat on Improved Critical if this is the only weapon you plan on using), Fortuitous (works with Combat Reflexes if you can create provocations on your own), Ghost Touch (just because it's magic doesn't mean it won't work on incorporeals with full force), Defiant (greatly reduces the odds of losing your weapon, also works with Improved Iron Will/Reflexes/Fortitude feats), Impact (improves damage dice, but depends on what weapon you use), and Menacing (improves flanking bonuses for allies, giving them more incentive to work with you).
You could work on getting the Big 6 (Belt of Physical Perfection +6, Cloak of Resistance/Amulet of Natural Armor/Ring of Protection +5, +10 Armor/Shield) instead, but I think having a powerful weapon like that is both in-character (your favorite "murdering tool"), and probably the most beneficial to you (since the game favors offense more than defense, and the +10 weapon is the best you can get offensively).
Any suggestions on how much I should spend for now?
Consult with the other players so you're in agreement of how to spend the money. You don't want some of the players being sensible while others are not.
Something you might do is rather than spend it sensibly on the most effective combat bonuses, spend a part on some weird things which give you new capabilities.
e.g. A verdant vine for some battlefield control, a figurine of wondrous power of a typewhich isn't for use in battle, some form of flight (maybe a ring of seven lovely colors) or something for adventuring underwater.
Another person worth talking to is the GM of course. They may be screwing up but it's also possible that they're expecting you to spend at least some of it.
You could always invest it all into kingdom building. Get yourself a nice, big fortress. Protect it with magical wards. Hire some wizards to permanently bind outsiders to it's defence. Then get them to set that thing afloat.
Nothing quite like a flying fortress to keep your enemies out.
Watch out for a level 7 rogue 1-shotting you and taking your obscene amount of wealth. ;)
A custom-tailored intelligent magic all item that is totally aligned with your goals.
Spend 3000 in objrct as fit for your level and invest the rest in stone, it's always a solid placement... Inn are solid choice for that, it's always full whenever player's go to an inn that surely mean something... With this you're going to secure yourself a nice retirement and, in fact, you will have much more than the 200,000 invested before few years goes... :p
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Spend 120,000 gold to build a bank for the kingdom (per Ultimate Campaign), become master of the coin. Invest the remaining money in the bank, adventure off bank profits.
I'd actually put everything into equipment - with such powerful gear adventuring suddenly becomes much safer and faster. Even at level 14 you will have twice as much wealth as normal - afterwards your advantage diminishes significantly (down to ~20% at level 20). So maybe retire once you increased wealth to triple the original amount, at level 17?
When it comes to gear, I'd spend ~25k on a +4 weapon (or ~32k on two +3) and amounts like ~8k to ~36k on each other item slot. When I fill up everything with good items, that's way more powerful than focusing on few slots (due to often exponentially raising costs for individual items).
+5 Tome in your mainstat.
They say you shouldn't buy these (since they don't upgrade on each other) until you can afford them. Now you can afford them. That leaves you with 60k to spend on gear, which puts you closer to "normal" range (not very close mind you, but a lot closer.)
Spend 120,000 gold to build a bank for the kingdom (per Ultimate Campaign), become master of the coin. Invest the remaining money in the bank, adventure off bank profits.
If you're in Golarion take care of Abadar Cleric, they usually prefer when it's them having the vault key ;)
On the other hands Cayden Cailean priest don't care who serve them the ale, inn and tavern are a better investment, there's always someone in Inns and Taverns, as a player have you ever set foot in a bank ? It's always empty... :pDon't spend this on equipment a GM can take away from you, a notarial act in front of many witness and guarded in a safevault in a bank is much more difficult to take away and you will enjoy your dividend :D
Thing about massive windfalls is that it may presage a lengthy dearth of loot for a prolonged period.
Retire.
Maybe be a pal and buy something nice for the guy who traded for the map, especially if the map has helped or might help in the future.
1 ring of Ring of Elemental Command, Truesight Goggles, Mirror of Life Trapping or Flying Skiff...
Buy a country. Mobalize the entire population into an army. Send armies to go raid the biggest dragon lair you can find. Rinse and repeat. Considering the dead don't get a split of the XP you should still level at a reasonable rate :D
Use the monies for non-combat. Start a mercenary guild. I've been given a metric ton of gold before in campaigns (literally stole a gold mine, and mined it with goblin slave labor). We had an agreement with the DM that we weren't going to think about the gold mine in terms of PC wealth at all- it was purely for [we now have the funds to fund an army].
Golems Lots of golems to do your bidding.
Take all of those gold coins, put them in several socks to make saps. Pass the saps out to your fellow players. Sock your GM for "doing it wrong." /jk
In all seriousness, maybe you should invest it into downtime businesses and the like. Build a business empire and I estimate you will recoup the investment loss inside of a thousand days (assuming you simply buy everything at the start rather than spending time to build it up) then start turning major profit in the long run.
Alternatively, buy land and start your own kingdom. That's so much money that if you guys pooled it together (or even if you didn't) you could really break into the Kingdom Building rules in Ultimate Campaign and be your own rulers, just like in Kingmaker. Might lead to a slew of fun new adventures in its own right.
If you all pool your funds and start the kingdom from scratch, without a sponsor, and start small, you could potentially have 1,000 starting BP. That's enough to potentially cover an area of 23,750 square miles with roads and working farms!
Not only will this bring you political power, you can very quickly build your way up to having your own armies, a people who adore you, etc.
Buy the best gear you can and then wait...
That sneaky DM is up to something.
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Buy the best gear you can and then wait...
That sneaky DM is up to something.
If you're genuinely worried the GM is up to something, it might be best to invest in manuals, toms, and wishes, which can't be taken away from you once used.
Starting a business empire or a kingdom would also be good, since those are substantially harder to take away from you than say, a few handheld magical items.
I would retire to Blackmoore and build an inn.
YMMV