Gold Plating is a colorless mutation that causes the player to lose gold instead of health upon taking damage.
Details[]
Scroll Cap: 33 of the highest stat
Special Effects:
Upon taking damage, player will lose an amount of gold equals to [Damage taken] × [22 base]. If player has enough gold to lose, they will not lose any health. If they do not, they instead proportionally lose the amount of health they can't pay for.
This mutation does not trigger for damage from poison or darkness.
This mutation does not protect player from Curse, or protect player's flawless killstreak.
Scaling:[Damage taken] × [22 - 0.6×(Stat-1)]
Number of stats
1
2
3
4
5
6
7
8
9
10
12
15
18
21
24
27
30
33+
...
Mutation effect
22
21.4
20.8
20.2
19.6
19
18.4
17.8
17.2
16.6
15.4
13.6
11.8
10
8.2
6.4
4.6
3
...
Notes[]
The player does not flinch when damage is absorbed by Gold Plating. This means that healing can be done safely if there is enough gold to absorb the attack, similar to Disengagement.
Given the poor rate of conversion at low Stat levels, plus the low amount of gold early in a run, it's generally more effective to wait until the end of the run to use Gold Plating, either when the conversion is much better or enough gold has been saved. Anything of use as an additional gold source is likewise helpful, as they will allow far better use of Gold Plating.
Damage tanked by Gold Plating does count as a hit and will prevent flawless achievements from being obtained.
Disengagement.