Now as for the "Goons", they shouldn't be much of a problem if you are in an organized town. Karma makes them out to be some highly organized, criminal underworld/secret society. This is completely false. I was in the "goons" in AoC for some time. They are just a bunch of nerd rage kids/few older people who like to grief the crap out of people, and are only able to do so if they have mass numbers. The highest organization they have is voice coms and forum chatter. There isn't some "secret leader" who gives orders from behind the shadows. Karma's entire perception of the Goons makes me laugh actually.
The frequency of raiding and pking will all be dependent upon a few things: The ability to make strong defenses, and the time it takes to train up your combat skills. If it doesn't take long to train up some combat skills, you may see swarms of naked noobs attacking villages. If it takes a while, people will be a lot more careful of how/when/who they actually attack and raid.
Just my .02$ anyway.