It's pretty easy to get around the faction issue for Iksar, especially as a monk (sneak).
Iksar can bank in the Qeynos sewers and sell with sneak. Once you get sneak you can sell to any vendor (assuming no guards preventing you). There are also neutral vendors in tons of zones including East Commons, West Freeport, South Ro, North Karana, South Karana, Highpass Keep, Rathe Mountains, Lake Rathetear.
Additionally, you can become non KoS in Neriak to the guards and vendors very easily via the redwine quest. Just take an inventory full of red wine and ask for an invis in Nektulos get to the npc, sneak, take off invis and then start turning them in.
One you get Neriak faction you can use a cloudy potion to train skills in Freeport. Ask for an invis in WFP, run behind the trainer on the second floor, sneak, train, and then use the cloudy potion to escape. It costs about 10p to do it this way.
That being said, IMO, the biggest not to choose an iksar (or any class) is how they will look in armor. Personally I think humans look way better in leather armor. Flying kick animation looks slightly better on Iksar, but the FK on Human isn't terrible either. I think the robe graphic looks the best on human female. That's pretty important since you will probably be spending a lot of your time wearing a robe. Attack animations look equal to me on both races.
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