No, no matter what race you are you can go into any town, so long as you don't PK.

And as for Orc Raider or Monk, Raiders are built more around force and defense, while Monks are built more around speed. I've heard that monks can attack crazy fast, which I think would be neat to see. I hear the Raider is similar to a Human Knight. But anyhow, it takes a fairly long while to hit level 20 as a fighter due to the fact it's hard to get new weapons at the beginning.

Edit:

P.S. Character name is Havok and I'm a Human Fighter on Server 1

So this baby seal walks into a club.