Faction is important for only a few things, so worrying about it isn't always necessary. In order of importance you need it for:
-Selling
-Banking
-Buying spells
-Training
A quick summary of how important each of these is, how hard it is to overcome negative factions, etc:
TRAINING: The least important. You essentially need to train at 8, 20, and 22 as a Necro. You may also want to make a big investment in training points in Research right around 34, but this is optional. Don't sweat it too much. Buying necro spells from a researcher is cheaper than buying enough points to trivialize your 49 spells (at least at my prices) and you can typically pay for combines as well if you're nice about it. As an Iksar you should be able to get to 20 in Kurn's tower faster than anywhere else in the game, so you can leave Kunark with all your necessary skills. Other races should be able to train in either Qeynos or Freeport without problems, depending. Again, don't sweat this too much because after 22 it's basically irrelevant.
SPELLS: Important, but not terribly difficult to overcome. Iksar have the worst time of this and without significant faction work will have to make frequent trips back to Cabilis. Dark Elves and Humans have it pretty easy as both Neriak and Freeport are easy to get to. One thing you can do if you have a little excess plat (and as a soloing necro you should) is buy an expensive gem (such as a Sapphire) with CHA gear on, make a mule character with a bunch of CHA points, and use it to buy your spells by drop-transferring. It's not elegant, but I did this in Cabilis on my necro for one spell level and it didn't take more than 20 minutes. Cost me less than 20pp extra.
BANKING: a big deal, but you can overcome this fairly easily. My Dark Elf necro is KOS in North Freeport, and he banks there all the time. All you need is a Circlet of Shadow (and a high enough Abjuration skill that FD won't fizzle a bunch). You invis behind the bankers out of LOS of the guards, FD, then bank. You use the CoS immediately after standing and avoid aggro. Simple as that. I've banked in Rivervale, NFP, Cabilis, and Felwithe using this method without trouble.
SELLING: as a necro you'll need vendors a lot. Whether you're hunting Halfling guards, High Elf guards, spectres, seafuries, or any other lucrative camps you'll need to offload your loot a lot to keep the plat rolling in alongside the exp. One overlooked asset you have is Call of Bones; the skeleton illusion can raise your faction substantially. As a Dark Elf I could sell to the vendors in Misty Thicket using CoB, then use the above banking trick to bank my plat. In some places this won't be enough, and you'll need to know what's your closest vendor option in a given place. Druid ring vendors are always indifferent so they're a great choice, but certain druid rings (such as NK) are totally unsafe and others (such as WC) are a little dangerous but possible to use anyway. Gypsies in Oasis will sell to you as well. Once you hit 50 and get an OT hammer (using your undead charm to skip the tedium of farming braids) you can use the simple expedient of binding near your camp, hammering out on a mob, and gating back. Not ideal for camps where you get loaded up on loot quickly, but it's a workaround. I have also used the drop-transfer trick outlined above for spell purchases to sell fine steel weapons when killing guards. Drop a couple backpacks full of weapons to a CHA-loaded mule, sell the weapons, and once you've got enough plat convert it to gems (which have a low variance between purchase and sell values). Overall though you need to consider your nearest selling point when choosing a camp spot, particularly if it's a high-volume loot camp. Otherwise you waste a lot of time and bone chips.
Faction work can alleviate some of these issues, but I found very few instances where I could work up faction with less cost and effort than it'd take to just work around the problem. Once you're 50+ with a CoS and an OT hammer you just don't have to worry about it as much. On the grind up to that, just be smart about where you hunt and you'll rake in a ton of cash.
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