this post was submitted on 26 Feb 2025
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Say what you wrote first. That is the important part, and in game justifications exist to reinforce that.
In game reasons not to allow more than a few:
Are the characters leveling up during the downtime? If not, they aren't likely to be doing thibgs thst earn a lot of money beyond lifestyle costs. Sure, the wizard is probably doing research, but adding spells is a separate thing or all wozeds would have a ton of ritual spells.
I'd let them pick 2 or 3 max, about one per year of downtime.
Phantom steed is a 3rd level spell. So if he has the gold if not randomly add scroll here and there.