I've chosen beginner, because obviously I don't want my characters to die. It isn't that I don't like death, I just can't stand the fact that the characters I've taken responsibility over have died because of me and my actions. I feel like I've failed them!
Anyway, I'm on 24/4 (I'm still getting used to the different dating system). I've just re-entered Tartarus and I have to say, it hasn't bothered me yet. The battles are all pretty fun, even if Mitsuru is like a worried mother: constantly telling me things in battle that I already know about. I like her.
In fact, I like all the characters so far, besides that mysterious boy. I'm sure he'll turn out to be important.
In terms of combat, I seem to be coping fine. The 'One More' system is pretty fun, and it really encourages you to hone in on an opponent's weak point. Tartarus is a money-maker though: I entered Tartarus again without much Yen due to me going to the movies and playing those arcade machines to raise my academics. But now I appear to earning much more due to the treasure chests. I've decided against splitting my team up though: if they end up running into any shadows by themselves they would be in trouble.
I do have a question though: I've learned I can fuse personas to create new ones. I'm still pretty early in the game and I only have three personas to my name: Orpheus (which I'm obviously keeping), Pixie, and Apsaras. In regards to Persona fusion, are there any that I should watch out for that'll give me an edge?