Updated:<br/><br/>Moving to the "Balanced Wealth" system for a 3rd level character:<br/><br/>+1 Resistance to all saving throws<br/>+1 to Primary Ability Score (choose, remains fixed for lifetime of character), +1 to one other Ability Score<br/>+1 Armor or Shield Enhancement (choose one)<br/>+1 Weapon Enhancement<br/>+1 Enhancement bonus to all Ability Scores<br/>+1 Natural Armor Enhancement<br/>At any time may use only one magic item, from the "Least" category (General value up to 4000gp)<br/>Reassign all Crafting feats other than Scribe Scroll, Brew Potion, and Craft Wand<br/>Recalculate attack, damage, CMD, CMB, saving throws, AC, HP (if Con sufficiently affected), Skills (if Int sufficiently affected)<br/>If you have any magic weapons or armor, trade in their "+" value for special abilities instead. Or trade the item for something else.<br/><br/>For simplicity's sake I'd be reluctant to re-point-buy base stats in an effort to make them come out even or something. In other words, I wouldn't want to rebuild the character as if we'd been using this variant from the start. But that's just my opinion.<br/>