From my understanding of this text:
Prior to the start of any adventure (including your first), characters can sell any of their unwanted equipment for 50% of its listed value, and/or purchase new equipment. New characters can use this rule to sell some (or all) of their starting gear, and use the proceeds toward the purchase of better equipment
The most I can get my hands on from class starting equipment seems to be:
Fighter PHB (option to take 200gp & no other equipment, including any given by background choice)
Selling: 2 hand crossbows (sells for 75gp), light crossbow & bolts (sells for 13gp), Chainmail (sells for 37.5gp), dungeoneer’s pack (sells for 6.15gp)
Class total: 131.65gp
The most I can get my hands on from background starting equipment seems to be:
Detective Rats of Waterdeep: Appendix A (Does NOT count as your +1)
Selling: Magnifying glass (sells for 50gp), Bottle of ink (sells for 5gp), Quill (sells for 0.01gp), Folded parchment notepad, (how many pages..1…10?, sells for 0.1gp if 1), Common clothes (keep), Greatcoat (robe?, sells for 1gp), and hat (trinket?). Also a belt pouch containing 8 gp
Background Total: 64.11gp
Adding both together: 131.65 + 64.11 = 195.76gp
Even selling your common clothes & belt pouch you cant get to the ability of buying Splint armor for 200gp.
Did I miss any way of getting more gp, other than DM rewards and/or XGtE’s “This is your life” options?
I’d be happy to get splint armor, a quarterstaff (pike would be ideal), a sack & 1 day of rations. Under 201gp worth of gear, 5gp more would get me there