I know NPC's for stores and ones you can talk to are pretty much out of the question atm. But I don't see why we can't have humanoid NPC's to fight in random places around the world. Personally I think its lame in games like wow where you can sit and fight the same NPCs over and over and they just keep spawning. But why not just make them like animals? Have roaming raiders that move from populated area to populated area stealing items from bins across the map, not HUGE amounts of items but small amounts. Sometimes they may even burn down a building or reduce durability of a gate that kept them from loot. Then have them drop that loot for the player that kills them, so you could get crap or you could get some great stuff. This would give us a reason to fortify more important and rare items and somthing to keep watch against. The hardest skills to train right now are combat (for those of us who don't exploit multiple accounts) give us something to fight other than bears.