there are lots of things that would be better bound to account rather than character; tymora's coin, fashion items, gold etc but really the bars would be a good start!
If you have an nvidia geforce gtx card try this; http://www.techpowerup.com/200871/nvidia-releases-geforce-337-81-beta-drivers.html new driver released today; 337.81 - fixed it for me ^^
It does appear to be a gfx lag rather than a server lag. I get lag spikes no matter what my settings are on Just tested in full and low graphics and have the same results. Standing still facing the wall my fps was 9, 56, 12 ..... no movement or anything else on screen and still this massive difference in fps. Me thinks…
Maybe put special crafting item in dungeon XX that you use to make item YY? Maybe add extra stats like reinforcements on shirts/ trousers using item YY? Maybe XX item adds extra crit, maybe ZZ item adds extra .....etc etc all from dungeon XX and AA BB CC DD etc