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Every effect adds a gp value to the item. The more effects, the higher the cost. The cost, in the end, determines the level the character must be to use the item.
Now then.
Why don't you try, I don't know, not having an item cast an uber spell on hit? That would be a start. I don't mean to patronize you... I'm just saying it's a bit extreme.
Something healthy to start with is an enhancement bonus. How powerful do you want the item to be? Will it be used against a specific type of enemy?
Another goodie is a damage bonus. Play around and see what you like.
Jewelry is easier. Think of something you want it to do and go for it. Start out simple at first.
And nobody said you can't make uber items... I, myself, have made two Rings of Elemental Superiority. They're powerful, but they have drawbacks, which I use to justify their use. Have a look...
Rings of Elemental Superiority are worn by the worshippers of the four elemental deities of Faerun. Rings of Fire Superiority are worn by followers of Kossuth. They are powerful, bordering on the power of lesser artifacts, but not all of this power benefits its user. When slipped on, the wearer undergoes a minor transformation, becoming more like a denizen of the Plane of Fire: Quick, but frail. Immune to fire, but vulnerable to other elements, particularly the cold. More resistant to physical damage, especially from elementals... But is it worth the cost? Its downfalls may well outnumber the benefits, and one should think carefully before donning such an item.
Ability Bonus: Dexterity +3
AC Bonus +3
AC Bonus vs. Racial Group: Elemental +5
Damage Vulnerability: Acid 25% Damage Vulnerability
Damage Vulnerability: Cold 100% Damage Vulnerability
Damage Vulnerability: Electrical 25% Damage Vulnerability
Decreased Ability Score: Constitution -3
Decreased Saving Throws: Acid -3
Decreased Saving Throws: Cold -5
Decreased Saving Throws: Electrical -3
Immunity: Damage Type: Fire 100% Immunity Bonus
Immunity: Specific Spell Fire Storm
Immunity: Specific Spell Flame Strike
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