Indigo Brotherhood is the warrior guild and Dragoons. Won't hurt any other dark elf factions. It is kind of a bitch to get back when you lose it, and the only way to get it back is by losing the kelethin factions you've been trying to get in the first place.
You won't be KOS to Neriak bankers. You will be KOS to Kelethin merchants and banker as well as the other guilds that are not bonuses from killing orcs. Agnostic may help you get to dubious on the guards faster, but they'll still be KOS to begin with.
I really don't think Crushbone is worth the trouble as a dark elf seeing as you'll spend probably at most 13 or 14 levels there and when you're finished with it, you'll be KOS to the dragoons on the nektulos bridge as well as the dragoon at the Neriak entrance, and any other warrior guild dark elves you might happen into in the city.
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