I don't understand how anyone that isn't on a horse has trouble with upkeep, including archers. On my main right now, my loadout is 38k (haubergeon, hourglass gauntlets, rus cav boots, kettle helmet, greatsword, elite cav shield, italian sword) and only have 113 2h and only 46 1h wpf. I still make money pretty easily.
When I did archery, I had khergit lamellar, horn bow, 2 stacks of bodkins, and a langes messer and make money.
Hell even in full plate you still break even/lose a little bit of cash over the gen.