Hmm what about herbs and things like that? Would they have any more starting income? So far I have done much like you, If I start an PC above level 1 I do the normal creation, with talents and flaws. Then give normal starting equipment plus any items added by a training package. Now if they start later they may get another training package if it fits, and follows the one Lifestyle TP, and vocational. Ussually they will have an age at which they will start, and TP's cannot put them over that age.
Now NPC's I had to create a rival and made the rival basically 10 levels above the PC, in most adventures the NPC's have a few items. In this case I followed the normal character creation rules and rolled random talent/flaws. This NPC is an older Elven race. By the way planned to use in Shadow World. It's the idea that the NPC has lived a life either with an adventure here or their or becoming the head of a city cult. Even if they do not have magic items they had to earn money.