Also ask yourself often:
Does it matter?
If the characters are poor, having to come up for the cash to blend into a luxury restaurant is interesting. The players will care about the money.
On the other hand, if its just a background location where they happen to be meeting someone and you selected it for high security, not to emphasize how unfair the world is, best to ignore it.
And yeah, lifestyle covers most of it.
And don't be afraid to abstract. If players hate buying ammo and clips, charge them whatever 1000 of those bullets cost and call it good. (Or 100 grenades).
Plus it sets the stage for good storytelling.
Player wants to do a backflip off the table during a gunfight and shoot while upside down.
You could look up the rules.
Or just say gymnastics 2, whateves. Counts as movement. But no defensive bonus.
I.e. rules wise player could just hop down. There's no effect except "looks cool". No reason not to let a player do it easily.
Don't get bogged down in rules.
Troll has a combat axe. Wants to kick in a door.
You know that there's no one in the room and he could easily break in with his axe.
Just set an arbitrary str plus unarmed 4 test, and let him do it.
Just make it clear at all times that if it was really important (oak door and he's being shot at) you might be a lot more technical. On the other hand, if you know that in the rules he could easily do it with the axe, no reason not to let him use his foot equally effectively on the door. Because ultimately it doesn't matter because he could easily have used the axe.
Heck, I'd let em drop 10k into misc electronics and pull stuff out at random (availability 4 or less). Yeah, you have as many rfids as you need for the job from your 10k electronics bag. Even a stealth tag or three and a bug zapper.
I love spreadsheets in character creation, but if a player hates it, I would try to work around it where you can.
I.e if a player could either (a) easily afford it or (b) just skip it without an issue, its not worth the effort.
Does it matter if the char eats dinner or has water? If not, let him order a big raw steak to prove his elf isn't a hipppy flower hugging elf.