Sounds like you're up with the fashions, amon-ra ... or perhaps making them
Unfortunately, yes, function often takes precedence.
If memory serves correctly, with Tirbo even though the armour might not be too good, you get some XP and cred. I have a lowbie who was a bit strapped for cash on a purchase -- went and shot some rats for almost quick income generator.
There's one NPC I always wished had a quest to give, and that's an atrox near some buildings on the hill behind West Athen. He's a crack-up -- offers to play you a tune on his banjo and rambles about mushrooms.