If I don't have at least 12,000gp on my guy, I don't feel comfortable.

Racks on racks on racks, yo. Can't be part of the peasantry.

Bring them all.
Left my important things at containers is make me somewhat uneasy.

I probably have nearly a half million by now and that's because I don't get full price for the stuff I sell. I shouldn't be able to walk just from the weight of the gold by itself.

I could gild Proudspire Manor. Gold plated walls and furniture.

Shiny walls. Sounds nice.

The gems alone could serve as my stained glass. Diamond fireplace, Ruby/Sapphire Doorknob. The works.

I've got the ingots to replace my floor with Malachite bricks.

All of it. What good is it doing in a chest at your house? It'd be different if there were ATMs scattered throughout.