>If so, could you share a list of what areas to never go into
>as a villager unless you want to leave as a ghost?

Excluding trap rooms and the like, there's a way to "walk" out of every area.

But that being said, you could still potentially get into trouble. For example, once you start going through (here unnamed Area Explore), you're going to get stuck at some point unless you can fly, so your dwarf warrior Battlerager may find himself sadly contemplating a suicide knife.

>Also, while we're at it, can someone explain the general
>village philosophy on healers, paladins, shamans, etc. Can
>villagers use healers?

You can use the healer in the Village itself; that's it.

>Are there some villagers who are okay
>with these empowered classes so long as they don't use magic
>beyond their empowered supplications? Any tips on how to RP
>this aspect of the game would be great.

As a rule of thumb, communers are okay, communers communing on you are not okay. It's slightly more nuanced than that but that's as much as you really need to know to be inducted.