"Also, when that is the case, you don't have to start with a completely new char, you can always use a fully loaded template character that has max of everything, tons of gold and every gear you'd ever want."
How do I find this Template? I remember the very 1st time I went into the PTS. My char was loaded down with skill points, gold, all the Monster sets and literally tons of stuff. This was just b4 Housing went active.
I have yet to see that again.