We're playing a thieves campaign. Mostly humans. In Airspur, a city in which magic is frowned upon. In fact, in the next city, Lutcheq, they burn elves simply for the fact that they think they could cast magic. Can't play any fancy flying devilish creatures of nightmarish shadow doom +3!
... in fact, no mount at all, seeing that we like, sneak into buildings, hide in tiny cellars, and the such.
You're also right about the 3.0, we discussed OA content here which is 3.0, but my DM dislikes knock-down, for instance. Pretty complicated what is allowed and what not.
Low money does not equal low magic, you are right here as well. However, low money means 3000 GP become worth much more than before. And there really seem more pressing items than one item that takes away 40% of my gold pool at level 7 (we start with 7k) to give me a useless feat to qualify for a very nice PRC (e.g., periapt of wisdom +2).
Shadowlord is a cool PRC, but needs Blind-Fight , Dodge , Mobility , Spring Attack. None of these 4 feats do I have in my build, so that will probably not work. Again, we're playing level 7, not level 20.
The suggestions are very helpful in general though. Keep them coming