Someone else might have other opinions on some of these, this is just how my outlanders would tend to handle these questions.

1. Never carry coins/use bank?

Yes, avoid this.

2. Never barter with city merchants (or just cities under Tribunal's watch?)

I would avoid all city merchants even those not under Tribunal law.

3. Never train in guilds in cities?

This is not the case, many classes do not have guilds in the wild leaving very few options available for them. When applicable though I would refrain from using city guilds. The recuirter is always an option but isn't really any more outlander friendly a city guild. Training can be done outside of cities at outlander friendly trainers.

4. Never rank in cities?

Rank in cities all you want.

5. Never rank with other cabals (or just not conjies, aps, necs, paladins, and order?)

Avoid the following cabals: Empire, Tribunal, and Scion. '

Avoid the following of under most circumstances regardless of cabal affiliation: Dwarves, Duergars, Orcs, Minotaurs, Paladins, Conjurers, AP, Necromancers.