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So, this is my first character to reach liked with the Horizon Hunters, and She has an intelligence modifier of 0, is untrained in perform and crafting, will never advance her lore skills beyond trained, and will not take the skill feats that let you use other skills to earn income. So I wrote off Storied Talent (A Horizon Hunters Boon that lets you attempt to earn income using tasks equal to your level instead of your level-2, minimum level 0) as a waste of ACP for her. But today I decided to do the math myself, and was somewhat surprised.
You can check my work here, but it looks like until a character reaches level 12, you will still earn more gold in the long term by using storied talent than without it, even with the lowest lore skill bonus possible for their level. Of course, your odds of Failure and Critical Failure increase, so your actual results will vary, but if you're feeling lucky, I reccomend taking Storied talent no matter how bad your society character is at their day job.
Notes:
1) Yes, I know you get eight days of downtime per scenario, not 7. I called it a work week to save on space.
2) Level 1 and 2 are left out because most characters will first be able to purchase Storied Talent at or shortly before Level 3 unless they deliberately only play Horizon Hunters tagged scenarios. If people are interested, I could probably add calculations for level 2
3) I did not calculate using your level+1 to earn income. I could do this too if people are interested.
4) I'm pretty confident in my math, but if you do notice a mistake, please let me know!
Venture-Lieutenant, Finland—Turku
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There's at least one boon that allows you to make (one) downtime earn income roll at your PC's (original) level +2, which may, if you level up before using it, result in using your level +1. I don't think there's any permanent way to boost your downtime earn income rolls to your level +1.
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Is there a way to use your level + 1? I'm not aware of such an option (other than criting your dayjob) but I miss stuff all the time.
3) I did not calculate using your level+1 to earn income. I could do this too if people are interested.
Hmm... I double checked the text of Storied Talent, and it seems I misread the text and thought it said you could attempt a task up to your level instead of,
"Word of your skill and expertise is spreading, and you find that increasingly prestigious clients are prepared to pay for your services. When using Downtime to Earn Income, you can choose to attempt a task of your level.
Normal: When Earning Income, a PC can attempt a task of their level –2 or lower. "
Weirdly, the way the boon is worded suggests you can attempt, say, a level-3 task, but I don't see mention of that in the actual rules for earning income during downtime on lorespire, so I think that's an oversight.