People your PC might meet travelling in Lemuria:
Rang Kar (starting PC or equivalent NPC )
Retired spearman of the line and gentleman farmer
Rang Kar left Malakut military service after 12 years, and has been farming the plot of land in a border province he earned as a soldier's retirement.
Soldier 3, Farmer 1
Boons - Fighting-spear, Blind combat
Flaw - Landlubber
He's usually out with just a dagger and a staff, dressed in homespun laborer's garb a cut better than a peasant's, and his pocket change is just that, perhaps driving a wagon, plowing a field, or herding some livestock; but he has a full set of legionary medium armor packed in a trunk, and spear, shield, and sword ready to hand hanging on the wall.
He's fierce in defence of farm and family but definitely no longer going out looking for fights.
If the gods are fickle, he's just one tragically burnt out farmstead away from an adventuring career...
Zenna of the Forty Veils (starting PC or equivalent NPC)
Parsoolian entertainer with a secret second life
Dancer 3, Assassin 1
Boons - Carouser, Pirate killer
Flaw - City dweller
She will always have at least a strangling wire or a hairpin, most likely a dagger. Possibly more than one and poisons if pursuing an assassination.
Caravan guards (rabble+ & standard NPC)
Three swaggering bravos with a few journeys under their belt, a shade better than your average rabble
Light or Medium armor
One or two of: dagger, sword, spear, mace, and/or crossbow
Their leader, Stonnek (the sot, behind his back)
boon - detect deception, and flaw - drunkard.