It always felt very arbitrary to me, or flavor-dependent rather than balance-dependent at least. Monks, for instance, get the lowest starting at 1d6x10 for what seems to be no reason other than 'monks should be poor ascetics', while Druids, who are both far more powerful and fluff-wise far less dependent on money or manufactured gear, get twice that at 2d6x10. Fighters - the most gear-dependent class - get an average of 175GP, Barbarians (almost indistinguishable from Fighters at level 1) get only 105, and Clerics get an average of 140 GP despite having magic.
Speaking of which, I think I'll be submitting a Druid with the Stargazer trait - someone fascinated by the idea of entire alien ecologies on other worlds.
It does revolve around gear considerations. a monk is quite effective while naked. A druid needs SOME armor, plus their focus and components, plus a smart druid has gear for their animal companion too. The fighter is ssumed ot be packing a range of weapons and maybe even medium armor, probably a shield too, and whatever crap they can pack on hteir backs (take a look at the Iconic fighter, or cavalier; they're carrying a general store's worth of crap strapped to their shoulders). Clerics need armor, weapons, and usually a shield, plus their holy symbol and compients and - if you want to gt into it - holy texts, maybe some holy water, etc. Barbarians are rocking One Big Damn weapon, a chainmail bikini, and cocoa butter.
And Pockets, sorta. it's not as pronounced as in WotR, but you do get 'resolution" to these traits that pcks and XP bonus and sometimes other stuff