Seems like stating the obvious but eh.. It had me stumped as a complete newb. When you make a new char and skip coldharbour, you get an urn. LOOT IT, it contains random gear and goodies each time. No vendor value, but tradeable between chars. Its a small thing but if you absolutely must have a staff and heavy plate and you don't want to pay up or run around in prison rags, keep making and deleting chars while banking the goods untill happy