At the beginning, the VC offers the agents a sack of coins to pay for equipment. There is no value placed on these coins. So I assumed it was enough money to handwave the list of equipment, and just told my players that anything they wanted to keep they needed to buy with their own money.
Same here. What they buy from the VC's money they have to give back to the Lodge afterwards; if they want to keep (say) a tent, they'll need their own money.