we can also make this much faster by rolling on the table Every Day rather than Every Week. More fun: a roll on every long rest. This lowers the expected value of the roll to 31gp a day (the bonus of the roll is determined by how many days between rolls), but it just means they've gotta hustle on those +10 bonuses more.

if they're doing about three heroic or tavern-friendly things per long rest, that has the place paid off in 8-9 long rests, which is much closer to where I'd want it to be.