IC: Barbarians of Lemuria
Character creation without a book shouldn't be too difficult. The number of points you have to distribute between your stats is static. (4 for Attributes, 4 for Combat Stats, 4 for Professions). You choose your own starting equipment/weapons/armor based on whatever makes sense for your concept (with GM permission of course). If you take a Boon that makes you wealthy, it's entirely possible to start the game with a villa and a sailing ship. But most characters will likely start with a couple of weapons, some armor, and a few miscellaneous items that would make sense for whoever your character is.