The balance between cost-effective and sufficiently accurate methods represents the proverbial "promised land" for quantum chemistry calculations. The burden thus falls upon theoretical and computational chemists to provide such alternatives to mitigate the issues that arise from the employ of finite computing resources. In this paper, we attempt to demonstrate the importance of the quality of the initial guess for the self-consistent field (SCF) calculation when considering cost reduction techniques. We broach this challenge by using the many body expansion (MBE) to yield high quality density matrices (DMs) which, in turn, are applied as an SCF initial guess. The MBE-DM approaches combined with purification schemes and distance-based cutoff schemes can serve as initial guesses to reduce the SCF cycles necessary for convergence or derive energy directly through one Fock build. To this end, four unique types of clusters including water clusters, fluoride anion water clusters, sodium cation water clusters, and ammonium-bisulfate salt clusters have been used to test the performance of MBE-DM where its truncation at three-body expansion, MBE(3)-DM, shows vast improvement for those four clusters with reductions in the number of SCF cycles up to 40% as compared with the traditional superposition of atomic densities (SAD) guess. Other types of typical initial guesses, superposition of atomic potentials (SAP) and basis set projection (BSP), perform much worse than MBE-DM and SAD. In addition, the MBE-DM shows consistency across an array of fragment types irrespective of charges, size, level of theory, and basis set selection. Through MBE(3)-DM with the distance cutoff and the average purification scheme, the energy can be obtained directly with a mere 3.2 mH of the mean absolute deviation (MAD) for (H 2 O) N=6−55 which is at least 73 times better than the energy prediction using the typical initial guesses (SAD, SAP, and BSP). The corresponding MAD per monomer is only 0.14 mH which reaches the threshold of the "dynamical accuracy". The promising results of the methods outlined in this paper not only indicate two direct routes for computational cost reduction but also lay the possible foundation for composite techniques (i.e., ab initio sampling) that make best use of near converged values as their starting point.