Race - Dwarf
NPC Class - Aristocrat / Future Class - Cleric (if possible Warpriest)
Inventory - Warhammer, Air bladder, Backpack, Bedroll, Belt pouch, Hammer, Mug, Miner's pick, Rope, Traveler's outfit, Ale (gallon), Holy symbol (iron), Flint & steel. My calculation brings this to 26 gp, 9 sp, 2 cp.
Reason to be on the ship - On a diplomatic journey to visit a different Dwarven clan across the sea. He is very devout in his faith to Torag.