Money & Equipment in Fellhold

I don't know about you, but I find coming up with equipment lists a huge pain in the ass. Coming up with starting equipment packages? Even harder. So why don't I just use one of the perfectly serviceable equipment lists already out there? Because I definitely buy into the thought that equipment lists are a great way to convey implicit setting and approaches to the game. So I bit the bullet and cranked the below out. It could definitely use some work, and the equipment packs owe a great deal to Brendan's excellent OD&D ones

Any and all thoughts on how to spice this up are welcome, but I'm especially looking to make an evocative random item table so that everybody gets at least one interesting but not-obviously-useful piece of kit.


Coins of Fellhold
Fellhold has three kinds of coins, issued by the Soul Banks based on the Soul Standard (theoretically, you can take your coins into a bank and demand the current market rate for bottled souls in exchange for your cash, but why would you want to?)

Copper Pennings: The common coin used in most business in Fellhold - a triangle about an inch on a side with a hole in the middle. One copper penning equals one experience point. (CP)
Silver Skillings: 100 Copper Pennings make up one Silver Skilling, so they are used for settling contracts and loans, day to day business between merchants, and the like. A thin, rectangular piece of silver, both sides show fine old-dwarven knotwork.  (SP)
Gold Marks: Worth 100 Silver Skillings, Marks are rarely seen outside of large business deals or the hoards of the wealthy. These fat gold hexagons have a raised outer lip and show a leering devil face on one side and the mark of the bank that stamped it on the other.

Starting Cash & Gear
Player characters begin with 3d6x10 CP, or else can roll for a starting equipment pack by class. Either of these can be supplemented by loans as seen shown below. All characters begin with a backpack, blanket, a waterskin, three helpings of pack food, one torch, and a tinder box.

Taking Out Loans
During character creation, PCs may take out one or more loans to secure additional gear. To do so, create a random specialist NPC - this is the PCs creditor. The PC receives a loan of 3d6x10 copper pieces to be used however they see fit. Assign the PC a d4 Loan Usage die. For every week that goes by that the PC does not pay their loan, roll the die. On a maximum result, step the die up one step. The PC can move the Loan Die down one step by paying the original loan amount. If it every reaches a d10, their creditor has lost patience and sends out goons to collect.

Sellers
If you wish to make finding the right place to buy goods as much a part of your game as where to fence adventuring loot, you may create a seller using the Merchant Table in the Specialist NPCs section for each category of gear below. Adjust prices accordingly. The first seller generated carries the entire category of gear. If a player wants to buy something at character generation, they must use the first seller generated - but if players are unhappy with this particular seller, they may search out others by using urbancrawl actions during play. Every new seller has a 50% chance of carrying each item when visited (this can change on future visits, or items can be special ordered for a fee). Every new seller should be added to the game master’s list of NPCs and placed in a neighborhood.

Equipment Packs 
To speed up character creation, players can elect to roll for a starting equipment pack rather than “shopping” with starting money. This method is especially recommended for new players and when adding a new character to an existing game. Specific items can be substituted with the Game Master’s permission. Players can also step down one or more steps and take 10 CP per step down. All characters begin with a backpack, blanket, a waterskin, three helpings of pack food, one torch, and a tinder box. To generate an equipment pack, roll 3d6 and look in the column for your class. 

Roll
Fiend
Fighter
Ghost Wrangler
Thief
Wizard
Witch
3
Homeless, 
Homeless, Knife, Hammer, Iron Spikes, Lard
Homeless, Knife, Beer (1 qt), Candle, Bell, Ball Bearings
Homeless, Blackjack, Rope (50’), Grappling Hook
Homeless, Knife, Pipe, Seaweed, Bell
Homeless, Knife, Cigar, Cat
4
Poor, 
Poor, Knife, Cigarettes
Poor, Knife, Beer (1 Qt), Candle, Bell
Poor, Knife, Blackjack, Mirror, Chalk, Dice, Cards
Poor, Knife, Crow
Poor, Knife, Chicken
5
Poor, 
Poor, Knife, Caltrops, Shovel
Poor, Knife, Beer (1 Qt), Candle, Bell, Ball Bearings
Poor, Knife, Black Jack, Lard, Crowbar
Poor, Knife, Pipe, Seaweed, Candle, Chalk, 2 CP
Poor, Knife, Cigar, Cat
6
Comfortable, Knife
Poor, Hand Axe, Dice, Chalk, Mirror, Pipe, Playing Cards
Poor, Knife, Beer (1 Qt), Candle, Bell, Disguise Kit
Poor, Knife, Rope, Grappling Hook, Bell
Poor, Knife, Pipe, Seaweed, Crow, Candle, Chalk, 2 CP
Poor, Knife, Cooking Kit, Chicken, Chalk, Playing Cards, Candle, 1 CP
7
Comfortable, Knife, Crow
Poor, Tomahawk, Knife, Hammer, Iron Spikes, Oil Flask
Poor, Knife, Tomahawk, Beer (1 Qt), Candle, Bell, Ball Bearings
Poor, Knife, Throwing Knives, Ladder 
Poor, Knife, Club, Pipe, Seaweed, Crow, Candle, Chalk, 2 CP
Poor, Knife, Cat, Chicken, Acid
8
Comfortable, Sword
Poor, Spear, Knife, Sledgehammer
Poor, Knife, Tomahawk, Beer (1 Qt), Candle, Bell, Disguise Kit
Poor, Knife, Ball Bearings, Caltrops, Sack, Lard, Candle, Chalk, Playing Cards, Dice
Poor, Knife, Club, Pipe, Seaweed, Crow, Coffee, Candle, Chalk, 2 CP 
Poor, Knife, Cigar, Cat, Chicken, Acid
9
Comfortable, Sword, Crow
Poor, Sword, Tomahawk, Hammer, Iron Spikes, Bucket
Poor, Sword, Tomahawk, Beer (1 Qt), Candle, Bell, Coffee
Poor, Knife, Brass Knuckles, Hand Axe, Caltrops, Crowbar
Poor, Knife, Club, Pipe, Seaweed, Galdrabok (extra), Candle, Chalk, 2 CP 
Poor, Knife, Blackjack, Disguise Kit, Acid, Cooking Kit
10
Comfortable, Knife, Pack Goat
Poor, Sword, Tomahawk, Sledgehammer, Crowbar, Cigarettes
Poor, Sword, Tomahawk, Beer (1 Qt), Candle, Bell, Coffee, Ball Bearings
Poor, Knife, Throwing Knives, Rope (50’), Grappling Hook, Ball Bearings, Dice, Chalk, Playing Cards, Candle
Comfortable, Knife, Club, Pipe, Seaweed, Crow, Candle, Chalk, 2 CP 
Comfortable, Knife, Cat, Cooking Kit 
11
Comfortable, Knife, Pack Goat, Sack
Poor, Warhammer, Knife, Pick Axe, Bucket, Coffee, Cigarettes
Poor, Sword, Tomahawk, Beer (1 Qt), Candle, Bell, Coffee, Disguise Kit
Poor, Bow, Knife, Arrows, Caltrops, Rope (50’), Grappling Hook, Ladder
Comfortable, Knife, Club, Pipe, Seaweed, Coffee, Crow, Candle, Chalk, 2 CP 
Comfortable, Knife, Cooking Kit, Chicken, Acid, Lard
12
Comfortable, Knife, Pack Crab
Poor, Hand Axe, Shield, 2x Oil Flasks, Cigarettes
Poor, Sword, Tomahawk, Beer (1 Qt), Candle, Bell, Coffee, Disguise Kit, Ball Bearings
Poor, Sword, Knife, Throwing Knives, Disguise Kit, Dice, Cards, Chalk, Mirror, 5 CP
Comfortable, Knife, Club, Pipe, Seaweed, Coffee, Crow, Candle, Chalk, 2 CP 
Comfortable, Knife, Cooking Kit, Chicken, Disguise Kit, Cigar, Lard
13
Comfortable, Tomahawk, Pack Crab
Poor, Sword, Shield, Bow, Arrows, Oil Flask
Poor, Sword, Tomahawk, Beer (1 Qt), Candle, Bell, Coffee, Ball Bearings, Dog
Poor, Bow, Sword, Knife, Arrows, Rope (50’), Grappling Hook, Crowbar
Comfortable, Knife, Club, Pipe, Seaweed, Galdrabok (extra), Candle, Chalk, 2 CP 
Comfortable, Knife, Cooking Kit, Disguise Kit, Chicken, Cat, Cigar, Lard
14
Comfortable, Sword, Pack Crab
Poor, Spear, Shield, Throwing Knives
Poor, Sword, Tomahawk, Beer (1 Qt), Candle, Bell, Coffee, Dog, Disguise Kit
Poor, Knife, Blasting Stick, Fuse, Ladder, Rope (50’), Bell
Comfortable, Knife, Club, Pipe, Seaweed, Galdrabok (extra), Crow, Candle, Chalk, 2 CP 
Comfortable, Light Armor, Knife, Lard
15
Comfortable, Light Armor, Tomahawk, 5 CP
Poor, Light Armor, War Shovel, Oil Flask
Poor, Light Armor, Sword, Tomahawk, Beer (1 Qt), Candle
Poor, Light Armor, Bow, Arrows, Knife, Sack
Comfortable, Light Armor, Knife, Pipe, Seaweed
Comfortable, Light Armor, Knife, Cooking Kit
16
Comfortable, Light Armor, Sword, 5 CP
Poor, Light Armor, Bow, Arrows, Knife, Caltrops, Cigarettes
Poor, Light Armor, Sword, Tomahawk, Beer (1 Qt), Candle, Ball Bearings
Poor, Light Armor, Sword, Knife, Tomahawk, Dice, Cards, Mirror, Chalk
Comfortable, Light Armor, Knife, Pipe, Seaweed, Crow
Comfortable, Light Armor, Knife, Cooking Kit, Chicken
17
Comfortable, Light Armor, Sword, Knife, 5 CP
Poor, Light Armor, Spear, Throwing Knives, Lard 
Poor, Light Armor, Sword, Tomahawk, Beer (1 Qt), Candle, Disguise Kit
Poor, Light Armor, Sword, Bow, Knife, Arrows, Disguise Kit
Comfortable, Light Armor, Knife, Pipe, Seaweed, Crow, Candle, Chalk, 2 CP
Comfortable, Light Armor, Knife, Cooking Kit, Chicken, Cat
18
Comfortable, Light Armor, Knife, Pack Goat, 5 CP
Comfortable, Light Armor, Sword, Knife, Hammer, Iron Spikes 
Comfortable, Light Armor, Sword, Tomahawk, Beer (1 Qt), Candle
Comfortable, Light Armor, Bow, Arrows, Knife, Lantern, Oil Flask, Rope (50’)
Comfortable, Light Armor, Knife, Pipe, Seaweed, Crow, Coffee, Candle, Chalk, 2 CP
Comfortable, Light Armor, Knife, Cooking Kit, Chicken, Cat, Cigar

Equipment List
The lists below give a good flavor of what adventurous types might be most interested in buying in Fellhold, but just about anything can be had in the vast city. Talk to the Game Master about anything you’d like to buy that you don’t see below. All characters begin with a backpack, blanket, a waterskin, three helpings of pack food, one torch, and a tinder box.

Homeless (0) Free
Poor (d4) 20 CP
Comfortable (d6) 50 CP
Luxurious (d8) 1000 CP

Weapons
Axe, Hand (Cleave) 30 CP
Axe, Lumberjack (Heavy) 40 CP
Axe, Tomahawk (Ranged, Light) 20 CP
Blackjack (Close, Light, Knockout) 5 CP
Blunderbuss (Firearm, Spread) 200 CP
Bow (Ranged) 30 CP
Brass Knuckles (Close, Knockout) 20 CP
Club (Knockout) 10 CP
Knife/Dagger (Close) 10 CP
Musket (Ranged, Firearm) 240 CP
Pistol (Ranged, Reactive, Firearm) 160 CP
Spear (Reach) 40 CP
Sword (Smooth) 30 CP
Throwing Knives/Stars (Close, Ranged, Light) 30 CP
War Shovel (Reach, Heavy) 50 CP
Warcrow (Crush, Cleave) 60 CP
Warhammer (Crush) 40 CP

Armor
Light (AC 7) 75 CP
Medium (AC 5) 500 CP
Heavy (AC 3) 1500 CP
Shield (-1 AC, Sunder) 50 CP

Gear
Acid (vial) 20 CP
Arrows (per usage die) 5 CP
Ball Bearings 10 CP
Barrel 20 CP
Bell 5 CP
Blanket 2 CP
Blasting Stick 50 CP
Block and Tackle 10 CP
Bucket 5 CP
Caltrops 10 CP
Camp Blanket 5 CP
Candle 2 CP
Cards, Playing 1 CP
Chain, 10’ 5 CP
Chalk 1 CP
Cooking Kit 15 CP
Crowbar 10 CP
Dice 1 CP
Disguise Kit 20 CP
Fuse (1 usage die) 30 CP
Galdrabok 30 CP
Grappling Hook 10 CP
Hammer 10 CP
Iron Spikes 5 CP
Ladder, 10’ 10 CP
Lantern 20 CP
Mirror 2 CP
Oil Flask 5 CP
Pack 30 CP
Pickaxe 10 CP
Pipe 5 CP
Pole, 10’ 2 CP
Rope, 50’ 15 CP
Sack 10 CP
Shot & Powder (1 usage die) 10 CP
Shovel 10 CP
Sledgehammer 10 CP
Thieve’s Tools 30 CP
Tinder Box 5 CP
Torch 5 CP
Water Skin, quart 2 CP
Wheelbarrow 40 CP

Food, Drink, and Drugs
Beer, pint 3 CP
Lard, quart 5 CP
Pack Food, Meal 15 CP
Roasted Coffee Beans 10 CP
Seaweed Cigar 10 CP
Seaweed Cigarettes (per usage die) 10 CP
Seaweed, Loose (per usage die) 10 CP
Whiskey, quart 40 CP

Critters
Cat 10 CP
Chicken 10 CP
Crab, Pack 60 CP
Crow 10 CP
Dog 30 CP
Goat, Pack 40 CP
Pig 30 CP