GarfunkeL said:
Firearms users need the most cash for ammo but even then haggle is useless unless you don't actually put any points into ranged so you waste your full ammo compliment in every combat zone
I had that problem the very first time I played the game, but never again after that. There are several easily fixed errors that enable you to have an oversupply of cash as a firearms user. Firstly, don't make the (very understandable) newbie mistake of buying the best new guns as soon as they become available, with a few notable exceptions. Firstly, they are often unnecessary for the game's difficulty and you can do just fine by waiting to pick up the same weapons off enemies or in containers.
The ONLY time that a ranged character is faced with a serious need to urgently upgrade weaponry is when you first hit downtown and you can't just win every fight unarmed (with 1 or 0 point investment) and bloodbuff/disciplines. But you can easily get weapons that will leave you overpowered for ages to come by doing a couple of pretty easy quests: Fat Larry's quest and the one to take out the russian mafia. Those will land you with a glock pistol and your first automatic. The glock will be a perfectly good standard weapon with even a middling ranged stat until you get to the sewers. The automatic weapon is crap at crowd control (but you don't need crowd control until Chinatown at earliest, and you can get a free uzi at that point), BUT it is a great 'boss-killer' when used with celerity, because enemies can't fight back while being shot, and it has a large clip, so you can wtf-pwn most bosses by running up to point-blank, emptying the entire clip into them, running around a corner to reload, then emptying the next clip. Glock ammo is very cheap, and you'll be overloaded with so much free glock ammo from the Fat Larry and russian mafia guys (even if you just kill those that are easily taken down with stealth kills and ignore the others) that it should get you through the pestilence missions and the Malkavian mansion (first big shooty section of the main quest).
Also, it is ABSURDLY easy to get stealth up to a point where you can stealth-kill at least 50% (usually more like 70%) of enemies even as a ranged character with only a small investment in stealth itself (boosted through research, and the fact that most non-vamp and non-tmizizce-creation enemies are absurdly blind when it comes to detecting even low-stealth characters). You shouldn't need to waste your ammo glocking down every freak in the malk mansion - stealth kill most and shoot the rest.
There are rare times when it makes sense to lash out and BUY a weapon - but those times are rare. FOUND weapons will almost always be accompanied by a steady stream of 'found' ammo, where buying weapons ahead of time means you have to buy the ammo as well. The only time you should be BUYING weapons is from Mercurio's 'special request' selection, as some are VERY useful but not available free for a long time, and others aren't available for free at all. So if you like shotguns (like me) then buy the autoshotty, buy the swat sniper rifle (unless you prefer the unscoped Jamie Sue as your sniping weapon). You 'might' buy the Steyr - it IS the best weapon in the game (I'm excluding the flamethrower due to ammo issues), but it is expensive and can be found for free later.
But think about whether you really need that weapon for the next section. Sure you could buy the flamethrower from Mercurio before going to the society of Leapold. But surely the main use for that thing is on vamps, and particularly vamp bosses - why waste the money before going on a human-slaughtering mission when you'll get the thing for free at Hallowbrook where it will actually be useful? Why buy the Steyr or Uzi or ANY gun for taking out human enemies - unless they are carrying much better guns than you, you'll wipe the floor with them, so just take theirs isntead - and that way you'll be able to use the ammo you pick up from each kill.
The other big mistake is not working out the relative economies of each weapon. Pistols are in the game for a reason - they aren't just there for the fun of shooting something less powerful than the shotty and automatic rifle you've got next to them in your inventory. Pistol ammo is almost always very cheap, whereas automatic rifle ammo is pricey and autoshotgun/flamethrower ammo is insanely expensive (ok the desert eagle has expensive ammo too, but you should be swimming in cash by the time you get that - and don't pay money for the dumb thing, pick it up from the Giovanni boss's corpse after you slaughter his party guests and enrage him into making a personal appearance - has to be done before you go fight the chang brothers and get the sarcophagus, obviously). So use the pistols for picking off trash mobs, use automatic rifles for the 'cinematic' fights where you need to clear a large room of humans (chinatown is full of these - I'm thinking the warehouse fight and leaving Johnny's club as two examples), and use the autoshotty for the TWO things it is good at - taking out (a) the standard tmizizce creation (because they get in your face so fast, but explode with a point-blank shot from the SPAS) and (b) taking out bosses with high soak (very useful if you want to kill the flesh-eating Pisha after she gives you the artifacts, to my memory it is the only weapon that lets you kill her by emptying a single clip before she has time to use any disciplines or summon her zombies; your best choice for the first timizce boss fight (espec with celerity, as you want to get to point blank range and empty the whole clip); and decent for almost any vampire character in general).
Don't buy weapons that you'll get soon for free, kill trash mobs with cheap guns or guns that use the same ammo that they drop, and have a sensible variety of pistols/automatics/sniper/shotty weapons and you should never struggle for cash or ammo.