Re: Your character’s first purchase
Very high on the priority list is a short list of Quality Of Life magic items.
Wand of Cleaning
Amulet of Repelling Mundane Insects
If the character isn't durable, Scarf of Climate Control (wear it as a headwrap when its hot!) and Hatpin of no-sunburn
That kind of thing.
I play big, sweaty, poorly groomed minotaur barbarians (Ham-fisted is a fun disad). Everyone is happier when they're clean and not flea-ridden or hosting a colony of moths. Also avoids some social penalties, casual HT checks to resist mosquito-born diseases, and reduces the chance of getting the Itching condition.
Climate control and shade items are just civilized, but they also reduce penalties to HT rolls from various environmental problems, so you show up at the dungeon in good shape. I've had a blistering sunburn on my back and thighs right before a 27 hour plane flight so I might be a weee bit biased, but danged if my character is going to start a dungeon with Moderate Pain and Itching.
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