If your Dark Elf Magician is Agnostic, you can set foot into North Freeport and use the merchants and bank IF you do the Janam & Rebby note passing quests 14 times each without being KOS to the wandering guards. You will remain KOS if you stray over by the temple in the zone though. You can of course use the merchants and banker if you do the note passing (18 times for an Innoruuk worshiper) but the wandering guards in North Freeport WILL be KOS to you. Naturally, you have Invis at level 8 so you can carefully use some of the merchants as well as the Bank if you simply block LOS to the one guard within the bank. I usually sit down behind the bankers to do this.
Unless I'm horribly mistaken, the Cultural Dark Elf chain armor (the imbued stuff is the bomb for fashion quest) will still require an extra gem requirement for each piece until Velious, at which point the requirement is removed and no one really cares about the gear at that stage for certain.
Agnostic Dark elves of all kinds can run the bard quests (which Green won't have initially), and Agnostics have a HELL of an easier time doing faction quests to enter Light side locations with only moderate faction work. For some strange reason Dark Elves are more acceptable as a base race than either Ogres or Trolls (or Iksar for that matter).
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