@Thoriorz right, sorry, there aren't houses that cost 100,000 crowns, I was getting mixed up. But there are plenty of houses that cost over $100 in crowns.

Any of the larger homes. I toured one that costs 15,000 crowns. At $15 for 1,500 crowns, that comes out to $150.

So I put one too many zeroes on my "100,000" crowns example lol

The game only starts when you hit CP160. Before that is merely intro. (Just kidding... or am I?)

If you want to take that character to group play, I would recommend levelling up skill lines, learn traits (so you can reconstruct items in those traits), collect item sets and so on. Alchemy and Provisioning is a good thing to level up for the duration passives.

Here's a guide for levelling a character, but this works as a to-do list even if your character is level 50.
https://alcasthq.com/eso-how-to-level-up-alt-characters/

Of course you want to have the general skill lines.

• Fighters Guild
• Mages Guild
• Undaunted

And you want to get as many skill points as possible.

From armor and weapons skill lines, if you want your character to be:

Stamina damage dealer

• Medium armor (high priority)
• Light armor (medium priority)
• Dual Wield (high priority)
• 2h (high priority)
• Destruction Staff (medium priority)

Magicka damage dealer

• Medium armor (high priority)
• Light armor (high priority)
• Dual Wield (high priority)
• Destruction Staff (high priority)
• 2h (medium priority)

Tank

• All armor weights (high priority)
• Sword and Shield (high priority)
• Destruction staff (high priority)
• Psijic (medium priority)
• Alliance War (at least until barrier is open, preferrably until 9)

Healer

• Light armor (high priority)
• Restoration staff (high priority)
• Destruction staff (high priority)
• Alliance War (at least until barrier is open, preferrably until 9)