First of all, apologies for the rather dumb title. The thing is, I'm mostly a Morrowind player and thus more used to the dice-roll combat system that relies on character's skills, than to Skyrim's system that relies on player's skills.
However, I find that while I can beat bandit chiefs (admittedly on the lowest dificulty and depleting my entire potions reserve in the process), I keep being whacked by Mother Nature, i.e. smilodons, bears and snow trolls.
I'm currently level 11, so am I just too low-level to wander off the road, or is there some game mechanic I'm not using properly, or am I simply too carefree ?

  for one thing, the differences in combat aren't as great as they seem at first. the Player's skils and the character's skills are meant to complement each other. So... a guy wandering around in heavy armor with a two-handed weapon should be pretty tough on a setting like novice. So do you block often, rarely, or never? Blocking is of course a character skill, but the player has to determine the appropriate time do use it, and the perks that have been allotted to it.
