Pick a city in Antonica, Faydwer or Odus and get faction so you can easily bank/sell/buy and train. I recommend Neriak. Buy bags full of red wine and turn them in to Lokar To'Baith who can be found in the library of Neriak Third Gate. You can drop invis in his room and you won't be kos to him. Very easy quest that opens up most of the city to you. You can bank and buy/sell in peace in the lower level by the bank. You will need to con stuff to find out which guilds are kos and there will be some hot spots to watch out for including the cleric guild and nearby cleric guards and the ghouls that guard the necromancer/sk guild but you ITU past them and the rest of the guild will be dubious which means you can't buy/sell there but you can train!
Praise Amun!
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