Terin is a Redguard. I made him that because in previous Elder Scrolls games they got all sorts of advantages for skills. Then I found out the only advantage I get now is Resist Poison (not bad) but I might have decided differently otherwise.
He's a good guy, but I've put most of my efforts into archery and sneak, a wonderful combination. Sword and board otherwise. And shout.
He refused to join the Thieves Guild and killed the leader of the Assassin's Guild.
It can be a problem sometimes, because I won't kill someone if I don't know if they're bad, so many times I'll walk up to a cave and then get attacked because I'm trying to be friendly and then these bandits don't want me around. I teach them a lesson in manners, though.
Next time I play this, I'll create a bad guy character so I can get all those quests I've missed.
About 30th level or so; in the main quest, I just finished talking to the big dragon on top of the mountain.