One thing I’ve been noticing in my campaign so far is that I’m giving out far more magic items from the “5% chance per category per level” rule for each NPC, bandit leader etc, than I have from treasure types or other dungeon treasure.
The main thing is that I hope that the players aren’t doing the math on this. If they do, pretty soon they’ll be hunting down bandits, pirates and berserkers rather than fighting trolls or orcs in the dungeon.