If you want to live your character’s life in peace just join the Monks at Cloud Temple. LoTC especially in origin I believe is more of a semi-hardcore mode with some circumstance of PK, but it hasn’t seemed that way of recent times.
Bandits and Mercenaries would be common-folk outside of cities barely getting by as they’d rather work under their own banner and in their own camps rather than under a pompous Lord and strict Laws.
No single community should be subject to evading challenges or combat regardless if you consider yourself passively peaceful, or use rule rewrites to get y