Welcome to the boards, crpgnut!!!
Yes, it is very possible to play the game without guild hopping and the inn gold trick - in fact it is possible to play the game with Peasants!! (read Bungleau's threads about his peasant game - the related threads are all on the first page here).
One of the really good things about W&W is just about any party is playable. Sometimes it takes a little while to accumulate the gold you need and the experience you need but as the game progresses your characters will too! In fact I can't think of an unplayable party. We've had a number of players do solo games - just one character - which can cause certain difficulties but there are generally ways to work around any give problem.
Do keep us posted on how your game it going!!
Sorry about the loss of your mom!!
Wyv
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