I created bard before knowing anything or having any chars on P99. I clicked Tunare b/c I thought you needed to follow Tunare to start in Kelethin as a High Elf instead of Qeynos or Freeport, I think you can just click to choose your starting city though lol.
Either way, it's never really impacted me in any significant way. I bank in OT through wall and do other banking / stocking up etc. in Freeport, Skyshrine, or Thurg.
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Evostab - Assassin | Ninjai - Grandmaster | Evocar - Sorcerer | Mefdinkins - Hierophant | Looch - Virtuoso | Snooch - Grandmaster
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