this is just about the max you can get using resources E + 10 karma; i copy-pasted it from a mage character i've built. it gives you a vehicle, a commlink, audio/visual gear, a lifestyle, a gun, ammo + full armour and a few K for anything else (like the magical lodge)
Gear: 6,000 + 10 karma = 26,000
Electronics:
Renraku Sensei Commlink 1,000
-Fake SiN 3 7,500
-Fake magic License 3 600
-Fake Weapon License 3 600
-Sim Module 100
-Trodes 70 9,770
Glasses R4 400
-Flare Comp 250
-Vision Mag 250
-Vision enhance 1 500 1,425
-Image link 25
Earbuds R2 100
-Audio enhance 2 1000 1,100
12,295
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Armour + weapons:
Browning Ultra Power 640
-Concealable Holster 150
Armour Jacket 1,000
Helmet 100
Clothing 20
1,915
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Misc:
Magical Lodge R6 3000
Low Lifestyle 1 month 2400
Yamaha Growler 5000
20 Drams reagents 400 25,225 so far
20 rounds heavy pistol ammo (regular) 40
+ spare clip 5
20 rounds heavy pistol ammo (explosive) 160
+ x2 spare clips 10 (215 on ammo)
Hers an even lighter one (spent less karma) for a technomancer character i made: he's still got the basics covered but at a lower rating.
Gear: 6,000 + 6 karma = 18,000
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Electronics:
Renraku Sensei Commlink 1,000 (DR3)
-Fake SiN R2 5,000
-Fake Gun License R2 400
Glasses R4: 400
-Flare comp +1 250
-Low Light +4 500
-Vision enhance 2 1000 2,100
Headphones R3: 150
-Sound Filter 1 +3 250
-Audio Enhance 2 +2 1,000 2,500
9,900
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Armour + Weapons:
Taurus Omni 6 300
(integral laser)
-Image scope 300
-Speed loader 25
-Concealable holster 150 775
Armour vest (arm 9) 500
Clothing 20
Helmet 100
-Radio Signal scanner R6 600
-Image Link 25
1,795
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Misc:
Dodge Scoot 3,000
low lifestyle (1 month) 2,000
Medkit R4 1,000
20 rounds regular ammo (heavy pistol) 40
20 rounds regular ammo (light pistol) 40
total = 18,000
to be fair, its absolutely fine for chars that don't depend on gear as much (like mages and adepts). if you want foci, then you'll have to acquire them in-game as a progression arc.
you start off with 25karma to spend on whatever, and can always take a negative quality or two to offset the cost of the extra gear.