At the same time, a character with armour +4 will probably be outperformed by a character with armour +2 and a weapon +2 in most encounters I use. In a straight-up fight the character with a longsword +2 will deal more damage more frequently, but will be helpless if the enemies are far away, and will be worse-protected. A character with a longsword +2 and chainmail is not inherently more powerful than a character with a longsword +1, chainmail +1 and maybe a longbow +1. I don't think putting all your money into one item will make you overpowered, unless you then use that item for everything. However, if you wanted to specialise in using that weapon and not buy any other magic items, that's a valid explanation for your choice and could lead to good role-playing, so I wouldn't have a problem with that. Personally, I would allow it - if you spend all your money on one item, you won't have any other powerful items and will probably limit yourself a lot when you can't use your main item. I think that as long as your DM allows it, you can have any single item take up as much of your wealth-by-level as you want.
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