King dresses as a commoner occasionaly and makes his way through the town. It is an unknown occurance so nobody expects it. This time he is mistaken for a thief and jailed. Not wanted to reveal himself, and always curious for the experience, he allows himself to be arrested. PCs also get arrested for something, probably guilty but pay a fine. How they act towards the 'king' could greatly change how their first meeting will be as the players always meet the king at some point.
There are those as rich as kings but dress as peasants and worry not about funding. To visit their true homes one would see wealth of untold value scattered as dirt is in a hut. They know the monetary value of their possessions but they have long lost any true value to their owners. Experience is their currency and their curse. They dispense secrets of the ages as if discussing the weather. Few things have they not experienced so that very little gives them joy. They are the lost ones looking for new life while humoring the mortals around them.
Silk Armor? The Mongols wore silk undergarments under layers of leather armor. Why? Because silk is very strong. If an arrow hit them and made it through their armor, it would usually not have enough energy to puncture the silk. It could still enter their body but, because the silk would not break, the arrow's barbs could not do their work and the arrow could easily be removed leaving a relatively clean wound considering normal arrow wounds.