Well when it comes to using existent towns, I suppose the closest town to "a small, yet wealthy, trading town." Would be Gugrontid. It's a kran city in the game, with rich history and expansive wilderness around its borders. You could also use Ojaveda, but I wouldn't exactly call that town wealthy. Anyways, I don't really see the name of the town, or that it is existent in game, because it's still in development and there's usually some guessing when it comes to a characters city of origin.
If it is important for you to have a good idea of your character's hometown, then think about how it would effect your characters personality at the present time, because that might help in roleplaying the character. In my opinion you should think about using your characters wealthier background when trying to create an unforgettable personality for him/her/kra. Most importantly, get in game so that you can get to know the world a bit.

If you have any other questions feel free to ask.
Hopefully you'll get more than just my answer on this.