Well, there are other options (for instance, you could play in D'Hara with an old character, but choose not to participate in combat, and instead do something like courtier or diplomat work), but broadly, yeah, that's the size of it.
Only for now, though. I'm already working on making it possible for monsters to cross the sea on sea zones, rather than ferry routes, which should dramatically reduce the pressure on D'Hara, Astrum, and Fissoa.