No a bad question. Caspian had a similar one in a Q&A video.
First - you won't (or aren't suppose to) know who is a NPC/PC without having a long talk with them. So while it may seem like there are no PCs in a town, there could be and they're avoiding you.
Second - To your main question - Yes to all of it. Per Caspian, NPCs will be driven by needs, fulfilled by personalities matched by skills. Theoretically, a needy person that can sneak alright with a low moral character should consider thieving. Same as a needy/greedy NPC with alright combat skills and low moral character/ high aggression could become a highwayman.
This isn't 100% but the groundwork implies that it's likely.