D&D on MyGamer?

Since we're using D&D 3.5 rules, I just wanted to clarify a couple of things:

1. Are we all starting off at first level?
2. Is the campaign world going to use generic monsters from the 3.5 Monster Manual. If so, anyone entering this game and adding encounters will have to keep a watch on challenge ratings. We don't want 1st level characters running into extra-planar creatures or Drow.
3. If we are starting off at first level, it might be a good idea to post the basic beginner packages for weapons, armor, supplies and extraneous gold that a first level adventurer may have.