I read this differently. Not "10L valuation of gold" (ie, 10L = 2400d) as a restriction, but a literal "10 pounds weight of gold ingot or coin" (10 pounds = 160 ounces). 10 pounds of gold bar should be worth about 50,000d or over 200L in silver. That is the limitation that I read into this.
The lower restriction makes jewelry prices stupid, and the idea presented in the Jousting article of nobles wagering sums best counted in "L" rather than in "d" on the outcome of jousts is ridiculous.
Depends on the P-Harn but 1 pound of gold is 6,400 d [20 Gold Khuzan Crowns], 10 pounds would be 64,000 d. Default is there is only a 1,000,000 or so silver pence on Harn [30,000 or so actual pounds or 15 Tons of Silver].
Mercantlylers purchase the goods in bulk from Manors converting kind to coin so they could easily be paid in 1L+ Notes. Many of the high cost items for the Lord and his household will be purchased from Mangai Guildsmen. A 1L or 5L note is a lot lighter than 240 d or 1,200 d if one is purchasing the latest high fashion outfit from a Master Clothier.
The average Will 10 Bachelor Knight will only be able to save about 1L a year (More with higher Will variant and less if using Harn Manor and Kind where only a third is in coin) and they are wealthy.
A lot of the wealth of wealthy free and guilds men is tied up in their property and business which is often the same building. Generally you borrow money at high interest rates we would consider usury against property at 1 - 2% a month. Miss a payment by a few days and forfeit the property. Without collateral interests sky rockets 10 - 20 % a month and possibly higher.
Bailiffs and Manor Lords could save more but anyone saving more than 10L - 20L plus for their treasury cushion or reserve was exceptional and unusual. Particularly if using Harn Manor Kind economics instead of HM3 wages. Chewintin fanon has those nice 40L several years to construct 10L Towers. Constructing one probably a goal and priority if the funds are available for most new frontier manor lords and for more settled peaceful lords with extra funds construction of one of those grand fanon manors or expansion of their existing manor for the larger clans outgrowing their current manor.
Excess purchases jewelry or silver plate or other equivalents like bolts of silk (for new outfits from your Bonded Clothier or Seamstress or Tailor) which can be converted to coin.
Owning property and "renting" property is socially acceptable with a property manager. Property like a townhouse in Tashal and or Olokand or the town your liege lord maintains his home. Each of which could be borrowed against or sold if needed but is very nice for socializing and visiting court over the summer or winter and requires some modest staff overhead. Collect social favors letting friends without townhouses utilize them visiting.
Quite a bit better than the grandest tents (during the peak visitation season like the Royal Chelebin Tournament in Olokand or The summer caravan Market Days in Tashal purchasing choice luxuries and necessities when things are crowded to overfilling and Innkeepers are gouging everyone and you might not possess enough rank to warrant sleeping on the floor in the castle for yourself much less your party. Somewhat crowded townhouse among ones social equals usually quite a bit better than roughing it in a tent with a piece of cloth shielding you from the elements.
Barons and Earls would have more based on their numerous manorial holdings. Earl Caldeth has a lot although he is noted as a prudent manager at home in remote Vemionshire where he is able to get away with it because of his rank who is very generous in public when he travels, but he travels infrequently.
There are prudent managers (probably a lot of the wives who are not wagering pounds on a bet putting it to better use purchasing a new outfit or accessory (jewelry or silver plate or other permanent or temporary luxury item that enhances quality of life for the household) for herself, her husband, children or relations) but they are supposed to be the exception not the norm. Conspicuous spending is the default. You are powerful and influential if you can support a large extended family. What kind of potential ally is someone who cannot dress and equip his family and retainers properly much less other social gift giving? The Lord with the reputation for generosity can trade on that compared to the miser lord.