Armed combat is pretty lethal in real life, too, but lots of people still manage to live to a ripe old age. The key is "not to get in over your depth".
Don't over-think the survival thing. Don't try to calculate detailed odds - if you have to do that, then just assume that the encounter is too dangerous and you should avoid it. Don't be afraid to run and hide.
Of course, if the rest of the party insists on steaming in regardless then you might have a problem, but try to talk sense into them.