New to server, thinking about rolling a necro

[Crunksta]

Hello everyone, I haven't played EQ for a long time; and I forgot/cannot remember a lot of things.

I am trying to decide on what race to roll for a necromancer. I am debating between erudite/dark elf/iksar. Iksar would be my first choice for the regen, but I am afraid I will be kos everyhere and not be able to bank. Is this true?

Second choice would be erudite, but it will be a pain in the neck to get him over to where I want to level.
Dark elf; well hes already near the rest of civilization, and can see in the dark.

Thoughts?