As far as I know, I don't think anyone's written a program that will change your starting equipment.
However, I can tell you how to get a powerful character.
I like a particular skill set up that Sean Mirrsen came up with, where you start off with "talented" in the weapon of your choice, "talented" in shield use, and plunk the remaining few points on "novice swimmer".
First stop, find a river. Be sure you get into a place that doesn't have alligators, and that doesn't have too many lampreys. Then go to sleep. When you wake up, you will have a huge amount of swimming skill, along with a few stat boosts. You will also be thirsty, but you're sitting in a river so that's not much of a problem.
Drink some water and then sleep again. More swimming skill, more stat boosts.
Then Find some weak enemy to fight, and lie down on the ground. Switch your attacks to "hand-to-hand" so you won't be able to hurt him, and just wait around as he bangs on your shield, increasing what is easily the most important skill for keeping you alive. If you get hurt at any time, just kill the critter, heal yourself, and find someone new.
Once you have a huge amount of shield skill, go around and hunt stuff with your weapon. Once it falls unconscious or is otherwise disabled, change your attacks to hand-to-hand and then start auto-attacking it by walking into it. This will increase the other keep-you-alive skill, wrestling.
After a bit of training like this, you'll be able to take on your first quest with a reasonably high chance of survival.
Or you could check around and see if Dwarf Companion has been updated for the new version. It has the ability to tweak your skills and stats once you're in the game.