Ok, wanted to suggest a couple of obvious, though not game breaking improvements, but would add some nice verisimilitude to game with treasure/loot.
First, if there are huge piles of gold lying around for me to loot from, how about having us get 100s and thousands of gold, instead of a few coins and random kitchen drawer items. Seriously, this annoys me to no end, piles of gold = treasure laden adventurers, I'd even buy a bag of looting to get realistic amounts of gold and gems from these. it's just annoying.
On a similar line, when looting/pillaging temples and cathedrals and castles and stuff, how about throwing in some solid gold statues, and priceless tapestries jeweled relics and other objects d'art from it. You even have models you could use from Repossession and stuff.. You could even have a gold statue on a pillar that sets of a trap if you don't swap a bag of sand for it, or something (where's my giant rolling boulder trap!, I spend a lot of time raiding for lost arks and stuff). I'm pretty sure there are some loot tables you could steal from an old DMG or the SRD too.
Thank you, drive thru.