Some of this still makes no sense at all. The side bar on page 68 says that a "heavy hitter" with "half-plate, a heavy warhorse, and the works" would have to be at least 10th level to afford this gear. According to table 2-44: NPC Gear, a 10th level NPC should have 16,000gp in gear. Where is the other 14,000gp going?
Look again at that sidebar and tell me if it makes any sense. It says to take the average gear of a 1st level warrior (60gp) and apply the progression from table 2-44 in the DMG. That table doesn't have some set progression that I can determine...so I'm left clueless as to how to "apply it."
I'm willing to accept that a 10th level mercenary that my PC hires is going to be less well equipped than a PC or even PC classed NPC of the same level, but 14,000gp less? And, even if that is the case, it would be nice to understand how the designers went from 16,000gp in gear for a 10th level NPC to something like 1,000gp in gear for a mercenary. Doesn't make any sense, and a rule that makes no sense is no rule at all.
SO....somebody please prove me wrong and point out what I'm missing, because at this point I'm just annoyed at the whole chapter.