Don't be scared. You'll be fine..
Now, let me see about AC...
I suggest you invest in a Belt of Strength, first and foremost, and perhaps some Boots of Hardiness... maybe some enchanted padded cloth or leather armor. Rings of Protection and Amulets of Natural Armor come in handy as well. Check the nature shop (Druid tree in the City Core), the Temple of Tyr, Eltoora's place at the Cloaktower, and the forge. And don't forget a magic bag or two. This helps when you have puny Strength. And don't worry... Once you can cast level 2 spells, you can memorize Bull's Strength and use that to buff yourself until you can afford a Belt of Strength.
Can't afford it right now?
Relax, you'll make more than enough money in time.
Just make sure to take every sidequest offered to you.
Ophala's quests, in particular, have wonderful opportunity to make cash on the side. Go have a nice long chat with her. And when you go on the missions, just make sure, instead of going in and out, to stay and loot.
Hope this helps... if it even makes any sense at all.
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