Urgh...its not wether YOU have the problem...its wether the NPCs do!
Seriously visiting a town is like everyones "Escort Mission" nightmare from every other game.
well, ok then, 2 town guards and that guy who you have to get his sword back from the bandits fended off a master vampire and 2 thralls and a death hound at level 8, better? So its not nearly as bad as everyone makes it out to be, I was at level 11, and sat there watching the guard slaughter the vampires. No problem.