It is slightly more dangerous as there are higher level monsters wandering the area
We might wish the cleric merc scaled up a bit better and that CC named/undead were scaled back some, but as long as we can continue Mabinogi Gold to move forward, we will keep at it and enjoy getting it done.
Now, at four, you could zone into Qeynos Hills (you will need to at five), but it is slightly more dangerous as there are higher level monsters wandering the area.
As for the Barbarians in the frozen northern area of Everfrost, your newbie zone is probably one of the best in the game. Not only are there plenty of monsters (even right near the Halas tunnel), most of them drop coin and other good loot.
From levels one to four fight Goblin Welps and Gnoll Pups. By the time you hit four, you should have enough money for some patchwork armor, and maybe a slightly better weapon.
Dark Elves also start out in this area, but their newbie zone is not so good. You can level off the snakes, rats, etc until three or four, but after that you will want to jump ship to a different zone as soon as possible (unless you are a Necromancer, which I will explain later).
In the Southern part of Antonica, Trolls and Ogres actually start out life as next-door neighbors (so to speak). Trolls start in Innothule Swamp and Ogres start in the Feerott (a rotting rainforest).