Step 9: Choose Gear and Appearance

Spend your starting credits on starting gear.
Make decisions about your character (gender, age, height, appearance)

More info to come here…

Starting gear – Davison priced out Vendri’s starting gear and it came out to about 2500 credits. I think that would make the argument that most of the gear (gun, armor, stimpacks, gear) would be issued to the player and they would not be required to provide it themselves. This would leave them the 500 credits to spend on incidentals or personal-type items.