I guess you didn't saw my 2nd run with saves where I finished by D23? the run went way easier when I played as I liked. The run when I finished by D28 was with HANDICAPS to prove you it was feasible.
"Ancient Jungles even you with all you extra classes don't do that right?"
Actually I could (done that in my 2nd run) but it's extra work when under equipped, still managed to finish it.
With all my classes, 92 EVA enemies are not a problem contrary to you it seems. And I'm still under equipped which means with good items (which will arrive easily) it will be a piece of cake.
Even with just clothes I'm doing fine, I don't die. You saw yourself, half of my 'military' don't have armor and did fine.
Tons of classes gives Tons of useful skills too... make life easier in dungeons you know.
PS: Congrats on your successful run! It seems you found your own way to play the game.
Edit2: W/o *BOTH* of those things, such runs just aren't possible! [confirmed from others when I've got details] Your [Hooker] run: Finish D28----& STILL PD greedy Bank!
Again look at my 2nd run. Without both of those things I did it before D28 and hence did not pay the bank the 3k gold. So yeah I must be a good player after all if others thinks it's impossible without those things.
2nd run saves (not day by day) :
https://drive.google.com/drive/folders/1xyqkgYZxHZSQpY8wVlsIjvLYuLgXTv0n?usp=sha...
Edit3 : quoting myself so you won't have to dig the post
I did encounter some bandits with the nimble and precision trait early on D3 or D4, my squad miss a few hits but I was able to kill them, not an impossible foe to kill imho. I must say when I play normally I steam rolled them. Later (around D15?) I even encountered someone with 90 EVA, 3 mages attacking him and he met his end.
Finished the Loan Quest on D23 and had already 3.3K in gold + materials from dungeons.
Regarding incomes my best hooker was earning 204 gold/day and she could be trained to earn way more ( the cap is 210 in CHA and she is at 134). The 2nd gave 174 gold/day. For the most part I had only 2 hookers. The last 2 slaves were bought specifically for assignment quests.
Concerning dungeons, by the beginning of the 2nd week I can steamroll all the easy ones and potentially do at least 2 per day (if I don't loot but I do loot the area). For 100 gold they are worth it, I obtained great loot in there (staves, armor some made from adamantine and obsidian too, raw materials) By looting the dungeons I could if I wanted build some mansion upgrades without having to buy them in the shop.
I did all the easy quests on the notice board, no MED quests so yeah quite accessible.
I'm repeating myself here but I don't see what prevent you from having successful runs. It's all about time/resource management.