The thing about DF belts is that you have to fight in EC to get them, which is a terribad place to xp and the number of orcs/belts is poopy too. The IB/Cw faction hits that I mentioned aren't really that big of an issue. You can still bank and buy your spells, just incus past the war guild and any guards that happen to be on that faction. Of course, medial is a long trek to buy your spells, so you'd need to pre-purchase some, which could be a challenge if just starting out. Depending I deity though you might be able to purchase spells in Akanon or the wiz guild in FP.
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