Starting underwear should be based on your background, not race. Silk and lace for the nobility, rags for the urchins.
I disagree. Your background isn't indicative of your character's current financial situation. A level 1 character who started as an urchin starts adventuring with more than enough gold to purchase basic moderate quality underwear.
Giving the player an option to pick the underwear of their choosing will always be better than creating a different system that will determine without their input.
