There are starting packages in the 3.5 PHB.  And at least for bards, the armor, weapons, and gear are identical to the 3.0 version except that the typo about a quiver with 20 arrows (when you start with a crossbow) has been corrected to 10 quarrels.<br/><br/>Regarding equipment:  I do not think Apollonia would have much in the way of adventuring gear, but did think she might have a heavy leather apron (https://img1.etsystatic.com/026/1/5248090/il_340x270.561694131_lfrr.jpg) with a pair of buckled-on faux sleeves (http://g01.a.alicdn.com/kf/HTB1e3BZKFXXXXaSXFXXq6xXFXXXQ/-font-b-Work-b-font-wear-faux-font-b-leather-b-font-sleeve-waterproof-barmskin.jpg) designed to deal with thorns (pear trees in particular have really nasty thorns, and will grow into an impenetrable thicket if not properly maintained).  And a pruning knife (http://ecx.images-amazon.com/images/I/713U6jQkceL._SL1500_.jpg).  She does know how to use a whip, learned from a drover on the caravan/wagon train that brought the first wave of the baroness's settlers.  (She was about 8 then, but it's a skill she has made an art of since)  I'm not sure the old worn-out bullwhip she has would qualify as weapon-grade though.<br/><br/>I'm considering this more for flavor than mechanics, but if there is a reason (like cute boys that make joining the part-time militia fun and/or interesting) she might have better gear.  The apron isn't armor, but might give the same protection as padding, and when we start getting into combat protection upgrades would be de rigueur.<br/><br/>