This is for a fantasy novel. I had it in 96 for sure, but it was older than that. The only thing I remember is the cover art. A group of people around a campfire, surprised by the sudden appearance of someone in a dark cloak, I think holding a staff. He may have been standing in the fire.
The only thing I remember from the beginning of the book is that one of the people in the adventuring party was complaining that women would not sleep with outsiders, unless they had a magic amulet or bracer that worked like birth control. These came in varying qualities. The narrating character could only afford a cheap one that expired, but a fellow party member had an expensive one that didn’t expire.