Offers a ridiculously wide variety of character creation options.
Your characters may not always be newcomers to the Zone. Some may have sponsors. They may have different backgrounds. They might not choose to come to the most hazardous place on the planet armed to the teeth with just a PM and a combat knife, wearing nothing for protection but a sturdy leather jacket and pure starry-eyed optimism. They may have different priorities.
The funding presets are 10,000RU, 25,000RU, 50,000RU and 100,000RU. The available items in the store have been limited by these amounts as well, there are no longer items listed in the store that you cannot afford at the preset you're using. It doesn't dynamically remove listed items based on what you've spent, though.
10,000RU is the default, because that's approximately what DoctorX' vanilla loadout would have cost in AO3 terms.
To put things into perspective, 1RU is worth about $0.01 / €0,01, or put another way, $1.00 / €1,00 works out to about 100RU, so Doc gave you a whopping hundred bucks worth of gear to start out with. That may make sense for a Loner or Bandit, but not so much for Mercenaries, Military or Ecologists. They have jobs.