I don't want to sound like I'm bragging, but I guess I can't help it. :-/
Personally, I have approached all enounters with the least risk (for example, with Auntie Ethel, I killed both redcaps and masks before the clash) ... but so far no surface battle posed a greater threat.
The Githyanki patrol was a little tougher than the others ... but they still managed to kill only one of the four characters.
I'm going to Underdark now, so I wonder what the ladies will look like.
(
This last sentence was created by a google translator just because I made a typo in the word "Tam" (There) and instead wrote "Dam" (Ladies) ... but I love the wording, so I'll leave it as it is. 
)
