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Thomas Richards is a Coastal Jungle boss in Windrose, encountered as part of the "Revenge Is Best Served Cold" questline given by Doctor Galen after I Need a Bigger Boat.

Tortuga vendor NPC that sells hireable NPC workers (notably the Farming Contractor) for gold coins, not Piastres.
Hireable NPC worker. 10 gold coins at the Recruitment Vendor. Works crops at a farming bench in 8-hour real-time cycles, returning all seeds plus yield.
The High Priestess is the local-threat boss of the Cursed Swamps biome in Windrose. A towering floral supernatural entity tied to the game's plague storyline, gear tier 11 to 15.

Israel Hands is Blackbeard's second-in-command and one of the main boss encounters in Windrose. The Needle in a Haystack quest culminates in a fight against Hands inside a sealed ancient temple in the Foothills, accessed with three Ritual Keys collected from his lieutenants.

Mortar Joe is a recruitable Windrose worker at the Brethren of the Coast main base. He is assigned to the Millstones and improves gunpowder production once hired and assigned.
The Ghost Captain is a spectral dungeon boss in Windrose, encountered deep in one of the most challenging instanced dungeons. He drops the Soul Eater greatsword, whose F-attack drains health from nearby enemies.

Generic faction vendor NPC type. Each faction has one next to its Bounty Agent. Sells rep-gated plans, gear, and materials.

Black Axel is a recruitable Windrose worker found at the People of Tortuga main base. When assigned to the Cooking Fire, he has a 30% chance to craft an extra portion of food.
Blackbeard (Edward Teach) is the main antagonist of Windrose, a pirate warlord who commands an undead fleet after forging a pact with dark powers.
People of Tortuga faction contact; receives tanned hides during Buccaneers and is the questgiver for Catastrophe's Aftermath.

Doctor Galen Skelton is the player's first major ally NPC in Windrose. A surviving crewmate from the prologue attack, he gives the player their first rowboat, hands out the early-game tutorial quest line, and provides one free Minor Healing Potion per in-game hour.
Smugglers of Port Royal contact at the hidden cave base; second-objective NPC in the Underground Network quest.

John is a cartographer NPC rescued from Israel Hands' sealed temple in the Foothills at the conclusion of the Needle in a Haystack quest. He recovers at the player's camp and becomes a settlement ally, with implications for charting unmapped regions of the archipelago.
Rogue Buccaneers contact at the Main Base; questgiver for the Buccaneers faction chain and Glorious Hunters.
Blackbeard lieutenant and pirate camp leader; target of the Catastrophe's Aftermath quest.
Alexandre Exquemelin is the wandering traveler whose seven journal notes lead the player to buried treasure chests across the archipelago. The journals are scattered at Traveller's Camps and trigger digs at marked dead trees with red rags tied to them.
Deceased younger brother of Henri Boucher; central lore figure in the Glorious Hunters quest.
The innkeeper behind the bar of the Tortuga tavern. He opens the Underground Network chain, hands out the Smugglers faction quest, and is hiding a past under another name.
Captain of the shattered Brethren of the Coast and quest giver for the eight-stage chain that repairs the Ranger and breaks Stede Bonnet's blockade.
Utherix