My players had no problem at low levels. They have a couple of NPC's that follow them around to help keep them healthy. In the next session, I will be adding an additional NPC to aid in healing and other cleric duties.
I am using an Access DB with about four hundred miles of VBA code to calc stat and skill bonuses. It also has a fully functional combat tracker. All we have to do is select the Attacker, the target, and the attack information, enter the die roll and click a button. Makes combat fast and furious. I am loving this game, it has made excited about role playing again.