I prefer to let players be the character they want to be. It's a game, played for fun. As long as the player can justify the character, I tend to let them run with it.
But I think in order to balance the game, they start out with minimal gear. Either they start out as having escaped from POW status, or they managed to lose the gear ( boat flipped over, whatever.)
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Just because I'm on the side of angels doesn't mean I am one.
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