I'd have to vote for either Twin Blades, the Sister, or the Random Traders you meat, er... meet... hehe... in the wilds throughout Albion.
I do agree, though, that most folks you run into are just paper dolls and not very engaging. I did find it funny to have one fellow in Barrowstone North tell me to leave his wife alone when I gave her a chocolates (and a manly arm pump).