I have ever used Fate Points in a game before. I have mooted them to the players and generally the reception was not particularly possitive. As a consequence I had never really sat down and read the rules around them. They are not part of the core RM2 or RMC rules but I was familiar enough with the concept and the role they fulfilled.
I have always thought this is the single hardest enviornment in which to run an adventure. The issue I have with ship bound adventures is how to deal with the long hours, days and weeks of plain sailing? It always feels to me that as soon as you mention a sail on the horizon the party leap into battle readiness because as a GM ou would not have mentioned it otherwise and besides they are adventurers and these things happen to adventurers.
How many times can you attack a ship with pirates, sea monsters, flying monsters and hurl it into natural storms, maelstroms and so on before the crew will be throwing the party overboard?
When I build anything from towns to taverns I always start with the people. Once I have created the people who provide the essential services to make the location work and then add their families I have a rough working population. That then tells me how large a place it is. In a tavern you need the landlord or barkeep, a chef/cook, a server or two. In a small out of the way place that could be a husband and wife with their own children or they could be staff and unrelated. What makes taverns though is the client base.
In a recent game I was in the party was walking around with something like 70,000gp in Diamond Notes (the Shadow World solution to mass currency transport). Depending on how you value a Gold Piece* that is the modern equivelant of between £8.3M and £350M ($13M – $539M) in cash. That was the cash surplus after four months of adventuring and treasure hoarding.
The first question is how much money do adventurers actualy need? They could retire quite happily and live out a life of luxury on that sort of money but then they would not be adventurers if they did that sort of thing. As a GM it sometimes becomes necessary to drain money from the players economy. One way is the herbalism method.