There are no other embellishments. The special buildings and the fixed quests are unavailable if you select this option as is the wilderness. The town contains many different kinds of people. There are the street urchins, young children who will mob an adventurer for money, and seem to come out of the woodwork when excited. Blubbering idiots are a constant annoyance, but not harmful.
Public drunks wander about the town singing, and are of no threat to anyone.
Sneaky rogues who work for the black market are always greedily eyeing your backpack for potential new 'purchases'. . . And finally, what town would be complete without a swarm of half drunk warriors, who take offense or become annoyed just for the fun of it. Most of the townspeople should be avoided by the largest possible distance when you wander from store to store. Fights will break out, though, so be prepared. Since your character grew up in this world of intrigue, no experience is awarded for killing the town inhabitants, though you may acquire treasure.