When it comes to my own characters (be they fictional or gaming) and even the players and characters I DM I think of Skills, Capabilities, Abilities, Attributes, (innate personal and individual features) and so forth as much more important character elements and possessions than magic items, spells, money, and other types of what is normally thought of as “standard treasures.”
To me the single greatest types of treasures a character (or a real person) can possess are what they can actually do for themselves (and for others) in the world, devoid of all outside help, material/materiel, and extraneous accoutrements. So I’m going to call this idea and post the Ability-Hoard, or the Treasure of Personal Capacity. I think that this is where the true emphasis of “characterization” should be evident, and most brightly shine.
Let me, at this point, briefly define the Ability Hoard…
The Ability Hoard is that accumulated set of skills, talents, abilities, capabilities, extraordinary qualities (be they physical, mental, psychological, or spiritual), educational and individual merits, virtues, and sensory capacities that a character or person possesses which allows them to resolve difficult problems or to gain some beneficial advantage over others or over a particular set of circumstances.