In the novice grounds, characters have the option of choosing to level up regularly, or choosing to become a BG char.
In electing to level up regularly, the only content the character is locked out of is BG, as BG requires high level characters in order to be played properly.
If you choose to be a BG char, the character is confined to BG, WoE, and Town maps.
Worry not, as things such as zeny/refine/materials/equipment are covered by the NPCs in BG. Skills in BG that consume zeny will not consume zeny (but still count as using them for BG/WoE stats).