The easiest parcel groups are items from lvls 7/5/3, or 6/6/3, or 5/5/5 and 412g of which you can spend 320g on a lvl 1 item too.
The way it makes the most sense is that you are raising your character from lvl 1 instead just making it at lvl 4. when it goes from 1 to 2 you get a lvl 1 parcel etc. as you move up the lvls to 4. you don't get a lvl 4 parcel since you are only at the begining of it. Using the treasure system that is proposed, every 5 lvls you get to choose from the list of N+1, N+2, N+3, N+4 and nMoney 1 time each. So if for the lvl 1 parcel you choose the N+4 or a lvl5 item, its gone from the list until everything has been taken. N = your current lvl at the time you get the parcel. For the lvl 2 & 3 parcels you can choose from the rest of the items on the list. So for 3 parcels the 3 options at the top are easy ones.