alcaray: I've encountered a group who will let you sleep in their camp. If you do not join the group, they want an exorbitant amount of cash for the privilege. If you join the group, then sleeping there is free (I think, not having tried it). I am afraid of joining the group for fear that it might make it impossible for me to join some other group.
Does anybody know if it is safe from catastrophic repercussions to join?
I'm not 100% sure since I haven't tried to join other groups yet, but since this group says that you can join provided you renounce all other group allegiances, I suspect that other groups will be the same. That is, you can (probably) join other groups but you'd have to renounce your allegiance to any current group memberships.
It worked like this in Planescape: Torment, so I suspect they would have a similar mechanic here - I can't imagine that you'd be locked out of a group. You most likely cannot re-join a group you've previously quit though.
Also, to the OP: sleeping in the camp doesn't actually change anything to night time, at least when I did it recently - but it did advance the time a day (which is important as some quests may change and/or may fail if you spend too much time sleeping).