most annoying person
If you use Creeper in Caldera, for getting rid of those high value items, it means you often have to sleep somewhere nearby for 24hrs to allow his money to 'regenerate'.
In practice, that means hopping out of Ghorak Manor and into Shenk's Shovel where you can sleep. There is a guy inside the door to Shenk's Shovel, Master-at-Arms Iratian Albarnian. As long as he stays just out of auto-conversation range he is fine, but he tends to want to stand right by the door, and I get soooo tired of opening it to find his face right in mine (and to be told "Keep Moving" each time). He is one of the few characters I would kill and then pay the guards the fine to zero the bounty.
As for creatures, cliff racers win hands down.
The head of the guild asked a new prospect to descibe himself in as few words as possible. The prospect made it in one, "Concise".