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Saving money only makes sense mid-late game if you have the DLC. The bank you can build can carry your entire gold needs if you reacht a certain threshold
1) Upgrading Weapons/Armor is a MUST.
2) Upgrading Skills is a MUST.
3) Buying provisions is a MUST
4) Locking "really good" positive and removing "really bad" negative quirks/diseases is a MUST (in general).
5) Once you get the bank and about 200k gold. The interest pays for all of 1-4 by itself.
-- You don't need to buy trinkets early/mid game. Does anybody actually do that?
Yeah no, i always censore stuff that might be considerd a spoiler. Better save than sorry.
* With max discounts, level 5 blacksmith costs 3000 each, so 6000 per hero, plus 1250 per max level skill means 5000 for a full set of skills. This means outfitting a level 5 hero costs 11,000 gold, minimum, and 44,000 for a whole party.
Fixed!