Do we get to keep quest loot/objectives?

A few questions on quest loot/objectives.

(1) In World Builder I'm aware that some quests have the keyword "hand in". However, for the Corebook and other expansions, I was wondering if quest loot/objectives are meant to be kept by the player after the quest is completed? There are some quests like "Dungeon Training" where I think it makes sense for the player to keep these items, but it seems odd to keep these where the quest entails an NPC asking for an item to be collected.

(2) Depending on the response to (1), would a reasonable house rule be:

"For quests where the player is asked to collect or retrieve an item(s) for an NPC, the player cannot keep the item(s) in question, and must hand it in to the quest giver in order to complete the quest. However, the player obtains an additional gold reward equivalent to the sale price of the item(s) handed in."

Thanks in advance! Loving the game and the system!