Archers vs outsiders split from unfairly powerful monsters

[Beheld]

Disagreed, if the Commoner does an encounter per day (or so) there won't be a problem paying for said buffs.

The point is that the Wizard can buff himself up every day, and not get paid that much every day, and be fine, because his buffs are free. But if the Commoner buffs himself up, but runs into zero Pit Fiends (or other CR appropriate enemies) then he just wasted money.

If on the other hand, he only buffs up when he's very sure he's going to get the money back because of appropriate enemies, then all the enemies with better detection suites than him (all of them at his level) can surprise him and he's at a huge disadvantage. It won't always happen that he gets surprised on an "off" day, but it only has to happen once.

Of course, all of that is before you get into how Disjunction just ends the commoner, whereas it ****s the Wizard pretty hard, he can usually just run away afterword.