You will find that you will not be able to access some chests and entrances. The solution to this problem is to have the Lockpicking talent, you will be able to acquire the first level of this talent during the creation of your character. Although the first level is not enough to open all the chests you will still be able to open some to get better quality items. You will need to develop the Lockpicking talent to level 2 or 3 to unlock the chests that have padlocks with more complex mechanisms.