my advice would be to not, spend money on armor. I recently finished the game and found the back half to be pretty boring since the high tier armor basically makes you invulnerable.
also don't be afraid to spend money on random shit like bribes, food and books. You will likely be carrying large sums of money, with nothing to buy in the later parts of the game. I personally ended the game with about 12k and nothing to spend it on.
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