For those players and gamemasters interested in a quick and easy system for building settlements then I would take a look at Sibling Dex's Steadings & Followers supplement for Dragonbane. Looks like a nice system for building out your local village/township, regardless of what rules system you use, and is available for free from here.
That said, I do like those systems that don't just build a settlement but also provide explicit benefits for the lord (presumably the player) investing in the settlement. Examples of these include:
- The Book of the Manor for Pendragon which provides the character with bonus checks during the Winter Phase based on what they add to their manor, improve income, and the loyalty of their peasants. For example buidling a Hunting Lodge on your lands earns you a free check of the Hunting skill each Winter Phase.
- Houses of the Blooded which provides the players with free checks based on what is built. For example building a brewery can give the players free Courage checks.
- The Dawnline which allows the player vampires to update and improve the human village they are sheparding through the predawn. Such as a Butchers Rack that allows the village to trade Distance for Sustenance (too much time spent may mean the Dawn catches up to everyone), or a Cartographer's Wagon that gives bonus Distance moved each downtime phase.
Beyond, of course, having local craftsmen available at need.
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