I've come up with a rule for equipment for convention games. Since I'm playtesting the system, I don't make pregens. I have players roll up new characters, and choosing equipment takes a long time.
What about professionals, like physicians, apothecary, magic users, etc.? I figure that the character has what they need to perform the skills they have. Anything much beyond that requires a equipment checkbox. Referees may rejigger these things to suit their campaigns and settings. I'm also very liberal with Dilettantes. They can have pretty much whatever they want with Referee oversight. Now that I think of it, I might let Dilettantes use their checkboxes for truly ostentatious displays of wealth.
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