33% reduction in damage and the lack of combat skills won't stop a well geared main character from massacring lv11+ bandit camps even if there are 13+ enemies.. (in which case the ui doesn't even let the player target the last few enemies directly with skills)
Stamina is no issue once invigorate is unlocked as long as the main char is combat ready (cause for some reason invigorate can be used on the main character who doesn't get any stress problems from it, and benefits twice from it at the same time, as it gives the main character 100 energy on use).