The problem with a Human or Gnome Necro is that yeah in a lot of places you can go Bank and use Venders, but in a lot of places, which it is really hard to tell where you will be KoS and the venders will not sell to you and you can't Bank there either.
If you roll a Iksar you KNOW you can't Bank or just walk up to a Vender and use them everywhere but your home city. But with Sneak, FD you can go to just about any Vender and sneak in and go to nearly every Bank. And who cares about faction. Hell you can kill anyone even Venders and who cares other than I would not do it in your home city. I found I died less on a Iksar Necro than I did on my Human one. I just was never sure what my faction was as I traveled around. I Know what it is on my Iksar. And like has been said the Re-gen is just hard to pass up at even the lowest level. It is double even then.
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