I mean, the fact that you finished one mission, the tutorial, and then refused both one and two skull quests that could have helped you get money and experience says quite a lot. Three skull missions are designed to either be unbeatable, a fight you should walk away from, or very difficult, a fight that will cost you a few mercenaries. Doesn’t mean they always play out that way. It does mean you shouldn’t be bee lining straight to them if you intend to get unhappy about losses. As for world-map enemies, running away from a lot of fights is very important until mid to late game.