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Torches are a waste of money sometimes, extra loot = good. Its been a while since ive played, i need to start a new save, look for party members with positive traits for darkness and try doing runs without torches on short runs. Longer runs take a few and use your camping to relieve stress. Its not cost effective to cure negative quirks often, its also not cost effective to constantly use and level one team. See your guys as disposeable and hire often and throw then to the dogs, keep the positive quirk members and use the negative quirk members to farm gold/portraits etc.

well i'm trying to save how i can members with good perks and farm with those with bad ones or which had bad luck aquiring a lot negatives at quest,
And first thing to upgrade is place which grants you more heroes after quest

Haven't played it, don't own it yet, but I love arts in this game, and of course it attract me like everything what is dark and connected with Lovecraft :D