OT is not a good vendor spot. Sure it's fine for buying cheap supplies, but remember the vendors in OT are 'greedy'. Greedy vendors charge more and pay less.
You can bank in OT even KoS; just go up to the wall, 3rd person to right click on the banker, though I am told you can just right click the bankers through the wall! Beware of dragoons though.
If you want to stay non-KoS after getting your hammer, the hits in KC aren't too bad, top up occasionally with an afternoon hunting berserker braids. I've found HS to be the place with the really big negative hits to VS!
Beware even in basement pullers might bring in factioned mobs.
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