Short version...things are getting a bit better. I had to figure out some way to deal with Orcs. ATM I was in a battle I just could not win, and every body dying was unsatisfactory.
What to do. No tactic I tried worked. Armor was inadequate to withstand Orc Warriors for long. Weapons either missed or blows were laughed off. Easy choice as only option was better weapons. Better armor would just mean I might die a bit more slowly and I had no other tactics left to try. Spent a LOT of Crowns on that two-handed hammer I lusted after and armed everyone with armor effective axes. So with 3 crossbows, 4 spear men, 4 axes and my hammer off I went once again. Orcs don't like axes and hammers. My spearmen gave me time to employ my new weapons and down went the Orcs! Even crossbows were effective after hand weapons broke Orc shields. Boy, did I feel better.
So, I agree to escort a caravan for C1500 and get hit by 15 brigands of all sorts. No serious problems and new weapons very effective again. No one killed, but some notable wounds. A very short way down the road I get hit by 12 more! Again, my Co. puts up a great fight and again we get through with no deaths! On down the road and heading for our destination, yep. You guessed it. We get hit again by 15 more brigands. Bemoaning the loss of the C1500 we flee the scene. Had enough loot to partially make up for the loss, but rep takes a hit. Still, everyone is alive and I now have a decent chance against Orcs. Yes, just a little bit better.