should be a limit of 10 rings, 2amulets, one necklace
This is a kind of limitation which seems to emulate reality, but what if you are Mr. T? Hell, most married women have two rings on a single finger.
End of kenata's quote
I'm all for realism & reality, humans have 10 fingers hence 10 ring limit. So what if some people wear more or less? If we were talking about dinosurs who have 3 fingers, then dinousaurs should be limited to 6 rings for two claws. Limits which have some basis in reality are reasonable & good. This also enables us to make races distinct (hobbits, elves, lizardmen), and it avoids "gaminess" and .
It doesn't make much of a difference anyway, because what tends to happen in RPG games (at least in theory) is that as you find more valuable treasures during the game, that +1 ring gets replaced with a +4 ring, hence you pull off the +1 ring (or sell it) and replace it with the +4 ring. The monsters are supposed to get proportionally stronger (in theory), so the monsters at level 4 appear roughly the same as the level one monsters (to characters starting out) since the characters have leveled up & gotten stronger items. It's only the weaker monsters which seem really weak now.
Things get broken, or appear broken, when the suspension of reality is removed (i.e. buildings don't eat food, people do). Even spells have some logic associated to them, higher level spells & stronger spells should have increased mana costs, when this "logic" is broken, players revolt (increasing the teleport cost to 15 from 5).
Capping a military unit' experience, but not champions would be incredibly hokey, single guys that could level an entire. I don't find that enjoyable. After all, what's a military unit if not a bunch of guys organized together that can all increase in experience. If anything, military units should increase faster in experience because they are composed of more individual guys who are each gaining experience, multiplying that experience by the number of men.
I think heroes should be able to be imbedded in squads, as a leader normally does.