The character wants to use the hat of disguise to maintain a life-long disguise as an elf. Unfortunately, many of the original answers rely on information from the backstory so I've added a summary here: Originally this question included the backstory of the character but this was removed as it was confusing people. In short, I want to give him the hat because it'd make for some good roleplay, but I don't want to incite jealousy or greatly alter the balance of the game. However, these seem to be guidelines for letting characters buy items rather than granting items to enhance roleplay. I am aware of some advice on the subject, such as the half-wealth and 25% rules (see for instance this answer.It allows the wearer to alter his appearance as per the first level disguise self spell. The Hat is a CL1 wondrous item that costs 1800.Is there a general rule of thumb for balancing magic items or other advantages like this? Based on gold cost or caster level, perhaps?.Should I offer the other characters similar advantages?.The player loaned the money for the hat from some dwarves, and it's time to collect? Will it help to give that player a related disadvantage/plot hook, eg.Will a 1st-level player with a Hat of Disguise upset party balance? To what amount?.Since I am a fairly new DM, I have little experience balancing magical items, and I am unsure whether I should allow it. One of my players has written a (rather good) backstory for his character, but it would require him to start with a Hat of Disguise. I'm starting a new 3.5 campaign, using only the 3 core books for character creation, and starting all my players off at level 1.
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