Hello, and thank you for showing interest in Heart & Glory. To determine the character’s starting amount of Heart, you need to make an initial Recovery Roll as stated on p.24. Meaning, roll a number of dice based on the number of PCs in the session, and add the two highest dice.
Thank you for pointing out that this is not clear character creation. I have also noticed a lot of other inconsistencies and I am working on cleaning up the documents as well as updating the mechanics to be more balanced. Cheers!