- Make each additional item carried (pretty much) count:
- Make it not a hassle
- Don't count stuff you're carrying in your hands unless it's super heavy or unwieldy.
- If you're carrying nothing, get +5' speed and +1 on relevant checks.
- Don't count armor (if you're proficient in heavier armor, you're assumed to be stronger and thus able to carry more stuff easily effectively, which is what not counting armor does)
- Every significant item is weight 5.
- Every big item is weight 10.
- Every small item is weight 1.
- Add your weight.
- Note the multiples of 20.
- Note the remainder.
- Your multiples are subtracted from each relevant check (attack rolls, 5' squares of movement)
- If the natural roll of your check is under your remainder, count yourself for this check as having +1 multiple.
This should be really easy. How some things stack is up to you. I say 100 coins to the x1 of weight and 10 gems to it.
A level 1 fighter with normal speed of 30' is toting (i.e., not counting stuff carried in hand):
- 4 torches (x5 weight) [pack]
- 1 axe (x5 weight) [belt]
- 1 shield slung on back (x5 weight) [pack]
- 2 javelins in quiver kind of thing (x5 weight) [quiver]
- 3 hundreds of coins (x1 weight) [pack]
- 3 tens of gems + 8 (x1 weight) [pack]
- TOTAL: 46 (-2 to checks, -2x5' movement, -3 on roll of < 6)
- Pack: 36 (-1 to checks, -1x5' movement, -2 on roll of < 16)
- Belt: 5 (-0 to checks, -0 to movement, -1 on roll of < 5)
- Quiver: 10 (- 0 to checks, -0 to movement, -1 on roll of < 10)