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How do our characters [i]"have"[/i] the gear we start with? Not [b]get[/b], [i]have[/i].

I'm just going to 'out with it'. I wanted to make a runaway duke of sorts who [i](I don't know enough about the plot or how to combat amnesia through pre-character building)[/i] came to the land with relatively standard gear for all practical purposes. 

I just wanted to play Dad-guy. :T
The habit for caring for his people when he was driven from his land turning into fatherly instinct. (Solid physical, no magic)