The standard equipment that a starting character gets is defined by both their class at 1st level and by their background. The class describes various options for equipment, such as the Rogue who chooses:
- a shortsword OR a rapier
- a shortbow and a quiver of 20 arrows OR a shortsword
- a burlgars pack, a dungeoneers pack, OR an explorers pack
and straight-up gets: Leather Armor, two daggers, and Thieve's Tools.
SO, a player who is creating a rogue character can pick one item from each bullet point, and will obtain the remaining items. An explicit example of this is a first level Rogue choosing two shortswords and a dungeoneers pack. In that case, the equipment the Rogue character gets from their class is:
- two shortswords
- a dungeoneers pack
- leather armor
- two daggers
- thieve's tools
Next is the background. Backgrounds provide more than just equipment, such as skill and tool proficiencies. The Criminal background gives proficiency in Deception, Stealth, Thieve's Tools, and One type of Gaming Set of the player's choice. For equipment, they have the following:
- A crowbar
- A set of Dark Common Clothes (including a hood)
- A belt pouch containing 15gp
SO, a player who creates a first level Rogue with the Criminal background will get to pick equipment from the Rogue and get the rest, and get more from their background, including a little bit of extra starting gold.
Alternatively, there is a table called Starting Wealth by Class in the beginning of the Equipment Chapter. By default, a player may choose to roll dice according to their class, as defined by the table. The Rogue, for example, may choose to roll 4d4 and multiply the result by 10, with a minimum of 40gp, average of 100gp, and maximum of 160gp starting gold.