Portraits are needed for upgrading the Guild, to allow yourself better skills, which is a fundamental aspect of character growth. Not only are portraits rarer than busts, but portraits are far more valuable than busts. Second, the heirloom cost of the bank is much higher. Obviously, the more you 'invest' in town, the more you generate, but this just reduces the relative importance of the price difference of the building itself. At this rate, you've 'invested' 25,000 gold into the Bank, or 22,500 more than the Granary for the same income. While you can eventually 'canabalize' that savings later on, by the time you're happy to use that initial investment, you probably have run out of things to actually spend money on.įor reference, the Bank generates the same amount of money as the Granary with a mere 10,000 gold left in town. At a rate of 5% interest, this will take about 17 weeks to pay itself off (less than the full 20 weeks, thanks to compound interest). Not only does it cost 15,000 gold to build, but it also requires an 'investment' of gold you purposefully don't spend, in order to actually make anything. The Bank, on the other hand, takes longer to turn things around. At a cost of 2500 gold, the Granary turns a profit in just 5 weeks. Since you pretty much always bring food into a dungeon, this is always going to be used, unless you roll a lot of food and you're going on a Short mission. In terms of money generation, the Granary generates about 525 gold per week in terms of free food. But I'm wondering if it's really all that worth getting early on, and not grabbing the Granary instead. So, I know the Bank is really good in the long term, allowing you to make absolute oodles of money.
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