Will I regret going Human monk?

[DrKvothe]

I'm very lightly twinking a monk: wu's 2h staff, cured silk, 2x 5/55 rings, 2x golden jade bracelet, robe of living fungus, large soiled bag, and some shralok bags.

I can not afford fungi or haste, although my main might do some hunter/forager with the monk nearby for hangman's noose at some point.

The time cost of the exp penalty and faction work I'd feel compelled to do on an iksar make human very attractive. Will I regret not choosing iksar, especially considering that I don't have fungi?