BoldItalic
First Post
Here's what I do: use the default equipment by class and background, but make substitutions or additions if the character has feats or fighting styles that make it appropriate. Then tally up the value of all of it, subtract that from what you would get by rolling for starting allowance and take that much as your remaining gold unless it is less than the default gold by background, in which case you take that.
It sounds complicated when written out like that, but it's quick and easy to do in practice and gives you the best of both methods.
It sounds complicated when written out like that, but it's quick and easy to do in practice and gives you the best of both methods.