Learning New Skills and Gear

A player just learned a new skill. How do you handle having the proper supplies since normally players are assumed to have the basic equipment for skills they know?

  1. They suffer a penalty for not having the proper equipment until they find it or pass an OB test in town?

  2. They just gain the proper kit once they reach town?

  3. They automatically gain the kit when learning skills (assume they are using junk gather during the learning process. “Yes Jim, I am using a kobold helmet as a crockpot, what of it?”

Also, if learning a skill they are carrying around tools to let them try stuff, do those tools disappear and become part of the extra stuff they carry or does it now become a tool they can use for a one time bonus?

Typically, we just assume they’ve gathered what they need in the run up to opening the skill.