So in summary, from the last ten or so posts, it seems pretty much nobody gives the player a randomized (within limits) amount of gold to spend on equipping their characters any way they like; and then leave the choice of how and with what to equip said characters up to the player?
Mundane equipment - even including essentials - is one way of customizing a character right out the gate; and also provides some sometimes-tough player-side choices. For example, when equipping a Fighter you might be forced to choose between starting with good armour but only one weapon or lesser armour but a better selection of weapons. Can you afford a longbow? Wooden shield (cheap but less durable) or metal shield (more costly but likely only have to buy once)?
And with my last few g.p. do I buy something practical (e.g. a cup, plate, and utensils) or not practical (e.g. soap, a comb, and a facecloth)?
Sure you'll in theory soon have enough money that these considerations become moot, but that time isn't yet.
Interesting that this seems to be getting downplayed in favour of kits, which while certainly convenient don't exactly encourage personalization.