So, I got the chanch to play test having one player using 4 level 0 pcs along with two other players each playing a level 3 pc. They fought lizardmen, goblins, an ogre, and had to deal with a trap that would have been an instant kill for the level 0's. Also, I used my house rule of letting them burn luck to avoid getting hit.
The result: not a single 0 level character died. However, if I had not allowed them to use luck to avoid getting hit, all 0 levels would have died (well, the halfling might have lived). As of right now, they are getting ready to go into an acnient temple and the 4 0 levels are now level 1, and all have their luck scores in the dumps (except for the halfling who did not use any luck. The reason is, I explained to the player that he can burn luck at a 2 for 1 and give the bonuses to other people but, since it says that they heal their luck at a rate of 1 point per level, per day, and that he was level 0, he could not heal that luck. Therefore, burning luck now meant that he would have a lower maximum luck score when he reached level one. And so the player decided to horde the little fella's luck but was happy to burn all the other characters luck.). I am wondering what their chances of survival will be as they start to run out of luck in the next adventure.
So, I am re-considering the house rule of letting them use luck to stay alive (although, I do have a stack of 8 dead characters over 4 sessions of playing and so they still have a pretty healthy respect for dangers in the dungeons).
Oh, and the most important part, they all had a blast playing