If I was a dungeon dwelling adventurer scavenging for gold pieces, I'd haul around a bag with stuff in it. I'd literally drag it with me, because, you know, I need the monies.
When a monster came along (or a pack of hungry wolves), I'd let go of the bag and just fight them unencumbered! Pretty easy to pull off!
What I find unrealistic is leaving behind the riches just because they don't fit in my pants.
Reminds me of DeNiro dragging his armaments along with him in the Mission.
How do you prevent that left behind bag from being stolen? How much can you drag and what penalties do you accrue for carting those hundreds of pounds around? As a GM i'd be thinking exactly that if my characters were doing this. Wouldn't it be easier to take control of the place you are scavenging (if possible) and bring a cart, ponies or somesuch to clear the place out? Or use one of those great AD&D spells that are made for such an occasion, maybe even have hirelings to carry a hundred pounds or so of stuff around for you, though he would be vulnerable and at risk as well.
Personally I think realistic carry limits, an emphasis on gathering "valuable" treasures and strategic management of the inventory would be damn nice to see in an RPG at last. It solves a lot of problems, with too much disposable income breaking the economy, boring masses of indistinguishable loot making gathering and selling a tedious skinner box chore, and the characters not really being incentivised by wealth or having a career arc.
Then at high levels one can use spells to carry off more, organise hirelings to loot the cleared dungeons, and have their high levels and increased capability reflected in the gameworld. Even have merchants come to you and organise trade deals. Of course this also opens up the wealthy adventurer to robbers, taxes, other adventurers, and friends or hirelings all seeking to get their mitts on a bit of that wealth for themselves.
As of the current moment RPG's have no progression here, the characters are never stolen from, there is no life in dungeons or the world that is also seeking that wealth, and the adventurer has no incentive to adventure after a few screens of lootwhoring, while resources are utterly diminished in their worth and rarity. If wealth is to be rare and worth acquiring then everyone should be trying to, that battlefield will be looted by scavengers, that laden down adventuring party will be targeted by robbers who steal one of those laden ponies, that monster will snatch the hireling following the party and line its lair with that loot, the king will hear of your wealth and ask to borrow a sum to facilitate his latest war etcetera.
Have a progression from a pouch of a few gold crowns on your hip being a good wage for risking your life, to a treasury in your stronghold where the fruits of your lifes work glitter in the darkness.
Edit: Then Smaug comes along and fucks up your shit!