I usually always carry 100k with me, but I do not consider myself rich (I have over 200k in the bank too, lol). To me, rich is above 500k. I would say less than 30k is broke. lol.

I barely do repairs because I always have holy water (I'm a diligent at the church part time job in Tir) and the only weapon I use is a mace with kite shield (I have 2 maces, one is fully upgraded).