The one part of character creation that I like the least, (and the one that I often see players forget they need to do) is buying starting equipment. I know that some people really do enjoy the fantasy shopping minigame, but I have always seen it as a necessary evil. Even after that is done, in play, characters often need to buy (or sell) things. Regardless of how you feel about it, role-playing games need rules for player character economics and GURPS is no exception.