At Unending

Add what the Bard Trait does to your CS so I know. 

Your Reputation is 6, so you start off with an additional 30 iL. 

Neutral Reputation (you aren't known for being heroic or good, but you aren't seen in a poor light either). 

your sword is a Short Sword (20 iL) (+2 Damage mod, Light Weapon, can be wielded even with your crappy Might). guard's disguise would probably include a Chain Shirt (35 iL, 2 Armor Penalty, 4 Armor Rating (how much it protects you)) and a War Cap (15 iL, +1 Armor, 0 Armor Penalty, but a -2 on all Observation Rolls while wearing it). Beggars disguise would be free. We will say the Lute is free thanks to your Bard Trait. 

Rations cost 1 iL for a day's worth of rations. 

With all of the stuff you are carrying (given that your might is two) you have Medium Encumbrance. 

A note for all players, a basic Riding Horse costs 35 iL. a light War Horse costs 75 iL, and a Heavy War Horse costs 125 iL.