Very true, shifts in what you use and don't, especially the magic level, can create dramatic shifts in what to expect. I rarely play games where low level characters casually carry loads of herbs, or have PP multipliers.
Face it, the stats about kills, etc don't really apply in a fantasy rpg where there is magic/herbs around that can kill the most grievous of wounds and the fact that we are talking about small elite units (adventurers ARE elite units. they combine in a tiny force a huge mix of talents and abilities that aren't generally available in the general populous) with near suicidal levels of morale.
Emphasis added in color is mine.
I think this entire statement is very key to the issue of 1st level PCs getting themselves killed. . . .assuming the GM is not being evil, and the PCs are not trapped into a combat with no options against opponants over their power level. . . .I suspect that all to often the PCs have actual suicidal levels of morale.
It's a game, characters are paper with numbers on them, so there's considerably less downside for a player to talk trash and/or refuse to take crap and/or stalwartly refuse to flee, and/or take suicidally high risks. . .it's not like they're actually going to be maimed or killed. . . .and if the GM isn't bending fate to save their character, odds are some, even many of the PCs will die. The player probably wouldn't stick their head in that bear trap, but faced with 90% chance of a character getting killed, often they go for it.
Also, players are less invested in a 1st level character than a 5th or 10th level. . .they just rolled them up, they haven't been playing them for months/years. . . so they're a bit more likely to do risky things.
Then again, I've known players who should have business cards with "Full OB" printed on them. . . they make very mighty combatants, they have loads of fun hewing up the enemy. . . and roll up a new character fairly regularly. . .they go up more levels in the GM starting their replacement characters at a level close to the rest of the party than they do in experience points. . .if you choose to play that way, you'll kill characters regularly. . .and that may be an extreme example, but I'd say that most players are somewhere between average and reckless, and RM can be unforgiving about that.
The only way I really see that applying to 1st level characters though, is in that access to healing spells or herbs. . .at 5th or 10th level, if the party has a channeler, they can expect access to some decent to high end healing magic as a given, regardless of if the GM is generous or stingy with magical herbs.
I don't really think 1st level characters are too weak, I think RM is a dangerous combat system, every crit gives an 8-10% chance of a mortal wound (or 2-3% odds of instand death within that). The system is not very forgiving of people who don't weigh the odds carefully, and those odds will eventually catch up with you whatever level you are, so every fight has a touch of fear that it could be the character's last. . .
but then, isn't that touch of fear one of the central selling points of RM, one of the reasons we all play it. . .it certainly adds to the fun, that touch of fear.