So I've always felt that rolling for money is a bit of a trap, but I've never gotten around to proving it.
Now for the following I took the most expensive options possible for each class equipment and calculated their total cost. Is this realistic? No. But it's what they could get versus rolling for money. Note this is only what the class gives, and so would be higher when backgrounds are taken into consideration.
As you will see, in most cases it's a trap at average rolled gold, and in many cases it's a trap at maximum gold (4 definite, the Barbarian a probable if you include backgrounds). Meanwhile there are two classes that are better off for rolling starting gold (I'm looking at you, Bard; Sorcerer).
[TABLE="class: grid, width: 100%, align: center"]
[TR]
[TD]Class[/TD]
[TD]Maximum Equipment Cost[/TD]
[TD]Maximum Rolled Gold[/TD]
[TD]Average Rolled Gold[/TD]
[/TR]
[TR]
[TD]Barbarian[/TD]
[TD]72[/TD]
[TD]80[/TD]
[TD]50[/TD]
[/TR]
[TR]
[TD]Bard[/TD]
[TD]112[/TD]
[TD]200[/TD]
[TD]125[/TD]
[/TR]
[TR]
[TD]Cleric[/TD]
[TD]150[/TD]
[TD]200[/TD]
[TD]125[/TD]
[/TR]
[TR]
[TD]Druid[/TD]
[TD]90[/TD]
[TD]80[/TD]
[TD]50[/TD]
[/TR]
[TR]
[TD]Fighter[/TD]
[TD]263[/TD]
[TD]200[/TD]
[TD]125[/TD]
[/TR]
[TR]
[TD]Monk[/TD]
[TD]37.5[/TD]
[TD]20[/TD]
[TD]12.5[/TD]
[/TR]
[TR]
[TD]Paladin[/TD]
[TD]254[/TD]
[TD]200[/TD]
[TD]125[/TD]
[/TR]
[TR]
[TD]Ranger[/TD]
[TD]133[/TD]
[TD]200[/TD]
[TD]125[/TD]
[/TR]
[TR]
[TD]Rogue[/TD]
[TD]106[/TD]
[TD]160[/TD]
[TD]100[/TD]
[/TR]
[TR]
[TD]Sorcerer[/TD]
[TD]67[/TD]
[TD]120[/TD]
[TD]75[/TD]
[/TR]
[TR]
[TD]Warlock[/TD]
[TD]130[/TD]
[TD]160[/TD]
[TD]100[/TD]
[/TR]
[TR]
[TD]Wizard[/TD]
[TD]117[/TD]
[TD]160[/TD]
[TD]100[/TD]
[/TR]
[/TABLE]
Now for the following I took the most expensive options possible for each class equipment and calculated their total cost. Is this realistic? No. But it's what they could get versus rolling for money. Note this is only what the class gives, and so would be higher when backgrounds are taken into consideration.
As you will see, in most cases it's a trap at average rolled gold, and in many cases it's a trap at maximum gold (4 definite, the Barbarian a probable if you include backgrounds). Meanwhile there are two classes that are better off for rolling starting gold (I'm looking at you, Bard; Sorcerer).
[TABLE="class: grid, width: 100%, align: center"]
[TR]
[TD]Class[/TD]
[TD]Maximum Equipment Cost[/TD]
[TD]Maximum Rolled Gold[/TD]
[TD]Average Rolled Gold[/TD]
[/TR]
[TR]
[TD]Barbarian[/TD]
[TD]72[/TD]
[TD]80[/TD]
[TD]50[/TD]
[/TR]
[TR]
[TD]Bard[/TD]
[TD]112[/TD]
[TD]200[/TD]
[TD]125[/TD]
[/TR]
[TR]
[TD]Cleric[/TD]
[TD]150[/TD]
[TD]200[/TD]
[TD]125[/TD]
[/TR]
[TR]
[TD]Druid[/TD]
[TD]90[/TD]
[TD]80[/TD]
[TD]50[/TD]
[/TR]
[TR]
[TD]Fighter[/TD]
[TD]263[/TD]
[TD]200[/TD]
[TD]125[/TD]
[/TR]
[TR]
[TD]Monk[/TD]
[TD]37.5[/TD]
[TD]20[/TD]
[TD]12.5[/TD]
[/TR]
[TR]
[TD]Paladin[/TD]
[TD]254[/TD]
[TD]200[/TD]
[TD]125[/TD]
[/TR]
[TR]
[TD]Ranger[/TD]
[TD]133[/TD]
[TD]200[/TD]
[TD]125[/TD]
[/TR]
[TR]
[TD]Rogue[/TD]
[TD]106[/TD]
[TD]160[/TD]
[TD]100[/TD]
[/TR]
[TR]
[TD]Sorcerer[/TD]
[TD]67[/TD]
[TD]120[/TD]
[TD]75[/TD]
[/TR]
[TR]
[TD]Warlock[/TD]
[TD]130[/TD]
[TD]160[/TD]
[TD]100[/TD]
[/TR]
[TR]
[TD]Wizard[/TD]
[TD]117[/TD]
[TD]160[/TD]
[TD]100[/TD]
[/TR]
[/TABLE]