Full max-enchant netherite tools — Looting III, Fire Aspect II, Fortune III on the pickaxe — with mixed diamond/netherite Protection IV armor (Swift Sneak III), plus a Utility shulker holding 4 Totems, 256 cobwebs, 256 XP bottles, 64 ender pearls, golden apples/carrots, and a Strength/Swiftness/Fire Res mix. (Cooldown: 32h)

$150K on first purchase