skimemd through most of the replies, but i had an idea about us just purchasing simple tools for now: fishing line, fish netting, water-proof cloth or water-proofing mats, rope, etc- things we will need for day to day life on a surface environment. things like boats and tents won't really be needed since we're going to a warm-looking environment, to which we can easily make boats and lean-to's until we're fully prepared to build. Though, on that note, it looks like the nals are helping us so that issue won't be a long one i'm guessing.
as for mounts, or buying gems, that seems almost wasteful. Training is handy yes, but given we're a large group of people it also seems wasteful of our hard-earned money. We can always get training at a later date once we're settled, as we can gems and mounts. Tools to get started are something that would take up a lot of time to make from scratch, you know?