From John F.
All characters will begin with 30 silver (3 gold) for equipment.
The prices of common items you can begin with are below:
Light Armor – 20 silver
Medium Armor – 30 silver
Heavy Armor – 70 silver*
Healer’s Kit – 10 silver
Medic’s Kit – 10 silver
Armor Repair Kit – 5 silver
Ritual Board – 10 silver
*You may go into debt to a merchant house if you wish to begin the game with Heavy Armor.
In addition, you may choose to take any amount of your starting money as cash, to be spent in-game.