Monk - Iksar or Human

[Pyrion]

If you have access to healers all the time and do not intend to solo much, human should be OK for you. If you solo part time, better be iksar. You get less xp, OK. But you have much less down time and therefore more fun while playing.

Faction problems are not that hard to overcome one way or the other. There *are* vendors out there for you. With FD there are creative ways to bank (risky though). And the whole faction thing can even be an interesting sub game if you are into that.