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If you're not doing any of that, just running every possible side quest (including Ulbrig's quest, there's a lot of gear there) and selling magic items can get you enough for crusade and upgrades through the game.
It also helps to not hoard any named items and sell all you can (unless you have a merc/party member that's going to use them). I have been guilty of having a cache of things I never ended up selling.
Lots of decent/good items to buy in first 2 acts.
0 reasons to save money. Drezen assault will net you few hundred thousand if you pick everything and sell it to Wilcer Garm (he's always in army camp during assault)
Once you enter act 3 with some money (definitely nowhere close to 1M),spend it all straight away on good items.
Some great items available at jeweler and merchant next to him.
Act 3 will make you rich. Act 4 will make you wonder what to do with money. At Act 5 you'll wonder why people say certain dungeon giving 2M is such an amazing thing is when you've already got few million and nothing to spend it on.
Whole point of this long ass post? Don't worry about money.
Yeah, Midnight Isles breaks money economy for whole gameplay.
As in, you'll have basically infinite money after doing it.
Yet another reason why I disabled that DLC (though my primary reason is I don't like rogue-likes so it's my preference, nothing to do with DLC quality).
I am still new to the game despite being about 120 hours in and I love about every bit of content I find, but for instance the Midnight Isles somewhat complicates things for me, because it means I take my eyes off campaign map for a while (which resulted when I came out afte 3 isles due to corruption in me having to deal with 2 attacking demon armies at once) and I also feel like there's severe disconnect between the loot, the enemy levels and the boss levels in the isles.
For instance I am mostly finding really cool unique items but they're +1 or +2 while at this stage of game I should mostly be finding +3s, and the more jarring thing for me honestly is the bosses, as I go through the isles, I have yet to see an enemy that is below level 13, mostly they're 13-19, but then comes the boss and it's.. lv10? Legit, the bossfights are so far the easiest part of the isles. I often have to resort to chokepoint abuse when there are rooms with difficult to reach champion archers from the get-go, but bosses I just don't even really do much myself and let the AI sort them out, only thing I do is micro Arue to shoot down their mages from afar as they in a moment of ingenuity cast greater invisibility just as I buff us all with see invisibility.
I liked the kingmaker bashing dungeon better, its longer and had better maps. MI is really short, you get to the boss and its over very quickly.
Bingo.
If you enter Drezen assault completely broke (probably won't), you can net around 100k for items, then give Irabeth her sword you find for 50k and clear out Tavern for 25k more.
That puts you at around 150-175k minimum.
For that money, you can grab quite a few amazing items right off the bat in Act 3.
My personal favorites are boots with greater heroism, gloves of dueling and gloves that give +3 attack/dmg while polymorphed (Ulbrig or Arue rock even harder with those). Those 3 together are around 100k.
The rest depends on what party I'm bringing, or if I'm scribbing scrolls (42k for lvl 7 thingy).
Dispel glasses? Not a must for first adventure from Drezen, and anywhere you go, you're certain to net way more than what they cost on return.
EDIT: One thing I absolutely love about WotR is that items you see on your first merchant entry to chapter are 95% of the time only items you'll see for sale that chapter.
So there's no worry to save money for something else, or you might be forced to spend it on something and you can't. You've seen everything on offer straight off the bat (certain world merchant aside), buy what you want, save for what else you liked and enjoy.