Don't forget also that turn based combat requires a completely different strategy to normal real time combat.
I'm playing a fighter/mage combo at the moment and I have only died twice. When I accidentally annoyed the orc on the beach, but he did warn me, and the guards right at the start. The reason I died with the guards is because at the time I didn't realise that weapons use AP to attack and if you're standing right next to the guards when combat starts then they can get 3 hits on you each, because they don't have to move. If you're playing as a fighter then you have to try and do things like position yourself so that their fighters will have to spend their AP moving towards you and then you get full attacks on them the next round.
I totally agree with X-tasy that "You cant expect from a lv 1 warrior to know everything about lv3 skeletons." and nor should you be able to. If you have the skills in loremaster then as mentioned the level of the enemy appears below their health bar so you can see if you should be attacking them or not.
I think you could make an argument for having a high enough Perception skill doing the same thing as it would make sense that a Ranger or Rogue would have a high perception, but no points in Loremaster. Both of them rely on the ability to identify their opponents strengths and weaknesses as they are not designed to stand toe to toe in combat, whereas Fighters (especially at a low level) are there for two reasons hit and block.
