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The real problem with HOF mode is that you don't have decent armor class. The gobbies have a very high to-hit and generally miss only one a 1. This will be true of everything else in the game; the monsters only get nastier after you leave Targos.
So you need fighters with really high cons who have good hitpoints. Even then, you'll be healing up a lot during and after every fight.
Fighting with an offhand weapon at this level doesn't mean much. The max number of attacks you can have is 5. If you remove the offhand weapon, you should see your to-hit with the main hand go up.
As for the penalties, see the manual for an explanation of two-hand fighting.
Nightowl2
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