Of course it's a matter of taste.
We're talking about adventurers here. They can do lots of stuff with "loaned equipment", not to mention potentially "forgetting" to mention it!
It isn't so long ago that it was the norm in our societies. And military organisations still expect it from the conscripts. Funny enough, they achieve it by putting them in conditions similar to the life of clans.
I'm not sure what "too much roleplaying" or "the wrong kind of roleplaying" might mean.
Personally, I'd expect it to differ from person to person, but those that don't put the interests of their clans and temples first would be punished at least socially.
Of course, since you're pretty much dead without your support network, and your friends and relatives would go along with you to meet Sarku, for many if not most people the math might be simple!
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