This is the central town of 3 Kingdoms, a hub of activity through which all players pass on a regular basis. When you first log into the MUD during a boot, you will usually arrive in the login room, directly above Cot. All the realms have their portals here, and there are all sorts of services, activities and diversions to be found here (for a price, of course!) It is on the whole a safe area for all players, apart from during a special boot.
For those that have made a VAF donation, you may kneel here to spend your VAF points.
To find your way around Pinnacle, use the command dmap pinc which will show you a map of the town.
All permanent residents are non-aggressive. Be aware that fighting with shopkeepers (and most of the other Pinnacle residents) is usually a BAD idea unless you know what you're doing.