Yeah, once you know where to look things get a lot better. I rented a room in Klamath, so whenever I die I end up back there. It's frustrating to get back to the real world, but Klamath has enough quests to help me instantly get back on my feet. All towns should be like that.
I respawn in my hotel room, and then I run to Whiskey Bob and offer to arrange the booze order for Frankie at the Den. I go to the Den, deliver the message, go back to Klamath. Get my reward from Bob, which is around 80 caps and some booze.
I use the money Whiskey Bob paid me to buy some beers from the Golden Gecko, give them to Aldo, provided nobody has murdered him. Aldo gives me a pipe rifle, some caps, and a few 10mm. Then I buy some xander root/broc flower from Maida Buckner, craft some weak healing powder, and sell them back to her in exchange for 4 silver gecko pelts.
I then give her these gecko pelts as part of the 'Pelts for gear' exchange she has, and get either a leather jacket or a 10mm pistol.
It only takes about 10 minutes, but you get about 500xp and enough stuff to get back on your feet.
Or you could just be part of a gang, go back to base and get stuff out of lockers. Like the little girly man you are.
