Trophy Gold downtime for DSA

Characters spend downtime in between adventures to recover, replenish and learn new tricks.

From the original Trophy Gold rules:

When you embark on a hunt for treasure, you are making a commitment. You must recover a certain amount of Gold to pay off your sizable debts, or you will die penniless and alone. These are called your Burdens. You start the game with 1 Burden,  plus an additional Burden for each piece of combat equipment you choose to start with, reflecting the cost of upkeep for such specialized gear.

And it continues:

Your total Burdens is your cost for going on an incursion. If you don’t return to town with Gold equal to or greater than your number of Burdens, you lose. You overextended yourself, promised your patrons too much, and end up in debtor’s prison or worse. Your treasure-hunter is no longer playable and you must make a new one.
If, however, you return with an overabundance of Gold, you can spend it or stash it. [...]

Based on this, here's what you can do in our DSA scenario with your overbundance of Gold. Spend one gold for each of the following:

• Healing: heal all your ruin (except ruin resulting from your rituals)
• Equipment:
  1. Repair/replace all weapons and armor
  2. Restore your equipment slots: 3 filled + 3 empty
  3. Swap equipment in your 3 filled slots, throwing things out and adding new things to your 3 slots. You can only add things that you acquired through play.
• Carousing: Gather useful information about your next adventure, background stories, rumors, ...
• Acquire new ritual: add one new ritual to your repertoire at a cost of +1 Burden per ritual
• Acquire new skill: add one new skill to your repertoire at a cost of +1 Burden per skill
• Hoard: Add one Gold permanently to your private stash. This brings you closer to your personal goal and happy retirement (you reach it with 20 Gold).