Encounter: Charles “Chollie Wobbles” Spinucci, a creepy old goon that can cast Charm Person and Charm Creature as he pleases
this is the swimming french horn playing financial advisor he does those things I just said
Encounter: please don’t let my youthful appearance fool you, sir, I have helped many clients make the best use of their treasure. My advice is simple: the R. I. S. Strategy. What does that stand for? Rent, Invest, Start. Rent your equipment, Invest your winnings, and the Start is because when I handle your accounts I can play this French horn and grant you Bardic Initiative on your credit checks. Oh, the swim goggles? I just came from swim practice.
Item: Fake ID: allows characters to use items that would normally be off-limits for their type/race/&c.
Encounter: Eatel, a Night Hag just back from cyberpunk night at the goth club
Item: Swimsuit of Fieriness; the wearer can transform up to 50 square feet of water (or other liquid) into hot sauce by immersing themself in it.
Encounter: Plague the Rabbit, accidentally created when an Ultra-Entrope tore a hole between the “Sonic the Hedgehog” universe and that of “Dark Souls”. DO NOT APPROACH
Item: whole-party motorcycle–just requires that nobody crit fails on Dex so they don’t fall off the log
Encounter: Coffin Jack
Item: hovering Baku mount that has figured out it can get high off eating psychedelic trips instead of eating nightmares; it is drawn to creatures lucid-dreaming, astral-projecting, or good-ol’-fashioned tripping on bliss-crystals or whatever, and has the incredibly dangerous ability to reach into that realm and devour parts of it, dealing damage to the radiant realms of their subconscious. (Source: FFVI)
Encounter: Dicela; delivers painful bites that force characters to replace all their rolls with 1d6 for the next ten rounds
Random Item Drop 