i think you can always get another wild spawn with silver if you havent learned settling yet. (if so, make sure to mark your homestead to your new place.)
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*edit* >.< Rights of Englishmen, thanks for correction, Magicman.
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if you decide to redo a charactor or if you ever die, use space (e.g. john_ or john__) or capital/lowercase switch (e.g. john to John) to get you the same name but somehow different.
and i would rather hate other MMOs "that name is already taken" message when i make chars.