There are many NPCs in the settlements in "Stalker 2: Heart of Chernobyl". Different NPCs have different functions. The first is the vendors: these merchants may sell food, supplements, weapons, Ammo or armor, then a doctor who will heal your body for free and sell healing supplies.
What is the use of the NPC in the settlement in the Heart of Chernobyl in S.T.A.L.K.E.
Settlements have NPCs for fast travel, equipment, repairs and quests
Some areas have settlements, such as Zalissya or the Cement Factory, inhabited by various types of NPCs:
Guides: These will take you to other Guide NPCs that you have spoken to, for a fee. This is basically the core of STALKER 2: Chernobyl's fast travel system.
Vendors: Some may sell food, supplements, weapons, ammunition, or armor.
Doctors: They will treat your injuries for free and sell healing supplies.
Technician: Help you repair damaged weapons and equipment and upgrade weapons and equipment.
Bartender: They have repeatable tasks that you can do.