I really like WoD's Resources background, one thing I do tend to append to the rules is separate out recurring income from lump assets.
Basically Income Resources are used up and refresh each month worth of time provided players maintain their income or have retainers keep watch over the accounts. Lump Resources are like having a big pile of gold, or a big inheritance from an eccentric uncle or just a bunch of money in a savings account. Once they're used up, they're used up.
Less about specifically hating Roll20, than the blatant engagement in anti-competetive practices and the monopolization of the industry in a push toward a vertically integrated monopoly.
Sort of like if Hasbro bought out the main book printer used by a bunch of TTRPGs so they have a vertical integration and can basically force all those other games to either deal with a hostile competitor to get books printed at unsustainable prices or completely upend a huge section of their development pipelines, try to find another printer, build that relationship, rework the pipeline and formatting guides so the printer actually can print the books. That's a process that could take multiple years and millions of dollars to do. Both of which options would kill even large rpg studios.
I've run 10 Candles a number of times and had an absolutely fantastic time every single time. It's perfect for a horror one shot and character creation is built right into setting up the game. Definitely talk with the group beforehand whether you all want to play a more light hearted comedic horror or something scarier.
https://youtu.be/GfePLMYmA7k