Salty 'Sandra:
Talk about equipment - what can we afford with 150 silver?
Depends on what you're looking for, of course. The equipment list in the rulebook is considerably shorter than in, say, most editions of D&D, but here are a few examples to give you an idea of what standard prices look like:
Armor, fur or leather (1 armor) - 20sp per location covered (140sp for a full suit)
Armor, padded or quilted (2 armor) - 80sp per location (560 for a full suit)
Weapons - 100sp could get you a mace, battleaxe, shortsword, or whip, while the full 150 would get you a lance or a light crossbow
Shields - 150sp buys a heater or target shield, both of which can protect 3 hit locations; a mere 50 will get you a buckler, which only protects 2 hit locations
Other items - 150sp could get you a top-quality winter coat or cloak, two top-quality suits or dresses, a medium-sized lockbox, two full sets of crafting tools, two unspecified musical instruments, three weeks' rent at a reasonable townhouse, or the best pig (or worst ox) on the farm
There are a few land vehicles listed, but no ships. Loosely extrapolating from what is in here, I would say that something worthy of 'Sandra's ambitions is going to start at
at least 15,000sp.
For the record, there are also rules here for making your own stuff if anyone wants to try their hand at that...
Barnutan:
How many refugees are we talking about?
400-500, they don't have an exact count. Or at least they haven't given you a more specific number.