In those rare cases I do start at 1st, I'd use something like 300 gp plus the bonus from home region. For higher levels, I use the tables from the DMG.
In addition to that, "Standard Gear" can be added to every inventory sheet. That contains stuff like a rope, backpack, some writing stuff, torches or sunrods, arrows. I don't require my players to keep track of that mundane stuff, I don't consider it heroic.