So...I've been here for a while but I'm not active so this may seem noobish.
I'm currently level 31 straight across the board. My characters are set up almost equally, and 3 characters have all quickenings and 3 characters have lvl 2 quickenings. My weapons are all updated and my armor is one "level" below the most recent type.
Why am I getting raped by monsters? Its not hard monsters, its monsters relatively close to my level. I use regen, haste, and protect constantly, and I'm getting the crap beat out of me. Right now I'm in Phon Coast.
NOTE: This mainly happens when I go on hunts, but even then, the monsters are about 5-6 levels under where I'm at.
(Most recent example is the Vorpal Bunny hunt. The bunny is hella easy but the skeletons mobbed me and I couldn't kill them faster than they appeared.)