Less Goofy Encumbrance (That's Still Just Goofy Enough)

The point of this is to:

1. Make each additional item carried (pretty much) count:
2. Make it not a hassle

SO:

1. Don't count stuff you're carrying in your hands unless it's super heavy or unwieldy.
2. If you're carrying nothing, get +5' speed and +1 on relevant checks.
3. 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)
4. Every significant item is weight 5. 
5. Every big item is weight 10.
6. Every small item is weight 1. 
7. Add your weight. 
8. Note the multiples of 20.
9. Note the remainder.
10. Your multiples are subtracted from each relevant check (attack rolls, 5' squares of movement)
11. 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]

Summarizing:

• 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)