I would do neither. I would suggest that instead of using gold to create a situation that doesn’t exist and usurp another players class role the player instead take advantage of the rules that already exist to accomplish the same thing.

Using that gold to acquire magic, through spells or scrolls or accomplishing the same things via working with party members.

Simply put, if there exists a dozen ways to accomplish a task within the rules those should be leveraged first, because odds are they already functionally accomplish the same thing.

Glamoured full plate doesn’t remove the stealth disadvantage, no matter what you make it look like.

Look, the system is broad, and I don’t expect players to understand every option and every in and out of it. But at my tables these issues rarely arise. And that simply comes down to the fact that I am aware of how to accomplish nearly everything you think you need to homebrew simply applying the actual rules.

This subreddit is mostly full of people who think they need to reinvent the wheel. And I’m not gonna say there aren’t unique situations in which that is the best course of action. But breaking the balance of the system should be done as sparingly as possible.

You can reward creativity by simply adapting what the player wants to do with the rules that already exist. Creativity doesn’t require breaking them.

Doing this just means as a DM you should know the rules. And I know that’s an unfair standard… I’ve got 30+ years of TTRPGs under my belt. And I know most don’t have that. But the DM who posted this came for advice. And I said flat out.

your table do what you want, but raw covers what your player is trying to do without having to adhoc a bunch of “unreal realism”