I have updated my character, and I think I have covered everything. The only thing is until I hear from everyone, I am NOT including the stone that adds 1d6 electrical damage to Poljen's sword. There are others in the group who could also find it useful.
The Zhentarim are a bit of an open secret, Fay would know about them, certainly enough to make the statement he did. As would just about anyone living on the western side of Faerun.
Solid information on what the Zhentarim actually get up to on the other hand is tough to obtain however.
Fay might know something real about their methods and motives, depending on how well he was taught, but separating fact from fiction there will take a History check.
Edited: daishain on 27th Jun, 2017 - 10:45pm
Cratol is wanting to keep the back pack. He will sale the instruments that are in there unless one of the bards wants a particular instrument. He will however want to keep the grappling hook if that is ok with everyone. After his dealing with electrical attacks he really is wary of the stone let someone else take it. He will however go and see about the torn pouch being repaired correctly and magically on the backpack so all three pockets are usable again. The only other thing he would want is a monks outfit that has a +1 protection on it. How much will all that cost him?