Play on, play on. Play an imperfect game, get a feel and then start over if you like. Money will find you if you keep adventuring. As a fighter though, the keep is your only chance at a stronghold - unless you dual into something else (...Thief!....Thief!).
You need to find Mae'vars guildhall, talk to him and then follow instructions. Work your way into the thieves confidence. Explore.
Additionally you may want to keep heaps of saves from various times and only go over them when you know you will NEVER go back. Play on, play on.
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