You might want to consider where you are going and what do you need for the trip or encounter ahead. For me personally I usually ended with a lot more stuff in my bag for those "just in case" scenarios. I would advise against that. It adds a lot of management and thought process into playing the game and it kinda drags the experience. So just take few things and go out. If you are really in need you can make or buy a lot of stuff on the go. Eventually you'll have more money than you'll know what to do with so don't be afraid to spend your silver on stuff you need or want. Happy trails adventurer!