Most of this is an IC issue.
At least the 'everyones an equal partner' feel, is thankfully breaking down here, as it should. Most of Faerun isnt an egalitarian place, especially the underdark. That koblold rogue should be lucky if it gets a halfshare. You can sort the divisions out before, during or after the mission, all much pvp potential and fun.
Less pay for archers or low contributers seems quite fair. And unfair distributions also ought to be happening. The underdark is not an equal opportunity employment workshop.
The inequality feel can mean you have a reason to take the lesser powered characters on, but they dont get the same reward. Leader selected distribution of potions works well too, if done skillfully.
Yes, all too many times people throw hundreds of gold healing themselves when others could have done it at litterally a tenth of the cost. Many characters out there have taken +3 heal as a feat, and have +heal items too. Its not hard to have +15 effective heal at lvl 5, especially if you're a cleric. Cal has to leap in with lighting fast obsequiousness to heal some warriors who Im sure have far less heal skill than he does. Perhaps we need the CoA system of 'take your armour off to heal', which might make it more obvious, and means we take a break for a moment after combats.
The OOC issue, is AC/equiptment inflation. High AC warriors dont get hit as much, spend less on healing, more on gear (particularly to make thier AC higher), and get ahead, low AC ones fall behind. IC this ought to be the survival of the fittest, but if we could close or tone down some of the AC rorts, that would be good.
1- the tumble AC bonus, pushes everyone in fullplate to want a rogue lvl or two just to dump points into tumble, and get +1 ac in fullplate (+ sneak attack). If this was based on 'effective skill' not 'points in skill', then that works a bit better. Or if the bonus is not magic armour but 'dex bonus', that also limits the 'uber ACs'.
2- Expertise/improved expertise. NWN2 and the 3.5 rules hold that the max bonus/penalty is equal to your BaB. This would cut down on the wizard rorts, and the huge effects at low lvls.
Alternatively, make it a max of +/-3 instead of 5, still a great feat to have, and probably taken by most fighters still, but slightly less extreme.
COA high lvl fighters have to be minmaxed on AC, due to the vast ABs of their foes. If the system lets a minmaxed fighter get significantly higher acs, it gets to a point of 'minmax or die' for the frontliners. This is an OOC issue to some extent, dependent on incentives in the game system.
Jadelink