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Between what you sell to Heodan and loot in the intro dungeon there should be a little over 1000 copper in coin. The ring is another 1537. You will also have several hundred in loot you can sell once you reach Gilded Vale. So you will need another 1000 or so copper to buy Hold-Wall (this is assuming a price of 4000 copper, not sure if prices change based on difficulty).
There might be just enough loot around town to get the rest, there certainly is if you can do part of the Temple of Eothas or go to another map or two and get loot from there. Money is really tight in the early game.
- On the one hand, any starting weapon will soon become obsolete. Just play long enough.
+ On the other hand, actually buying an early weapon early is a useful puzzle in its own right. That's why it's for sale, right? Reasoning as above, any early tranche of coppers will also get replaced by later coppers, so you might as well spend it early for early advantage.
Then it may be necessary to (learn how to) maximize your copper income. That could lead you to learn tips, habits, and behaviors that will be generally useful throughout the game.
++ Finally, it might be a fun thing to do. Think of it as a player-written mini-quest
--> https://pillarsofeternity.gamepedia.com/Black_Hammer_Smithery
That's one of the few enchanted arbalests in the first game, though. You'll want to look at your options for enchanting and try and stock up to upgrade it yourself, if you plan on sticking with it.
If a shop has 5 different items that you could afford, that's 5 different gambits!
But yeah, for a role-player who strictly decided on using an arbalest and who likely also invests into Weapon Focus:Soldier, the Hold-Wall weapon may be more tempting than a basic arbalest. Afterall, the heavy ranged weapons in PoE are good combat openers.
Why aren't you telling him he's playing wrong and making bad choices?
Act 1 areas remain accessible up to the late point of no return, making it possible to buy from that merchant any time later.
Would it be "wrong" to spend all cash on a single expensive item while still in Act 1? Depends. The summoning figurine could turn out to be much more helpful immediately, but it could be that player is willing to take the risk of going flat broke after deciding what item might be the most helpful purchase.
Good points, without doing the quest the price is 4800 (instead of what I wrote earlier, which was 4000, after the quest had been done). I checked briefly and getting to 4000 copper is pretty easy to do in Gilded Vale, 4800 doesn't seem possible without doing Temple or going somewhere else. You can't enchant a weapon with Fine until level 4 anyway, so doing the quest first makes lots of sense.
There are so few unique arbalests that it may be the best one, but it depends on what's mentioned in the quote, how far you are willing to enchant it. The soulbound one (from Deadfire pack) seems like it ought to be good, but it's class restricted.