What startup costs are there beyond setup and equipment fees?
Besides advertised and quoted basic equipment, what else will I REALLY need? Do I need to buy phones? Will extra servers/cards/add-ons be needed beyond the base cost to actually meet my usage requirements?
What business are you thinking of? You need to clarify it as your question "startup costs" is too general — you can be referring to starting a bookstore, call center, or web hosting. Anything is possible
If you are going to start a web hosting company, then you need more servers, phone to communicate (any business requires a telephone!).
If you’re starting an online business selling on eBay, you need a phone, just a computer (server not necessary), packaging supplies, mailing supplies, inventory, etc.
Your question assumes we know what business you want to start
Go to http://www.score.org/template_gallery.html and download the Excel template for estimating start up costs.