I absolutely agree with every point except 2c, and after my patch 5 playthrough I basically found the same things. I especially like the idea of mini-camps having a chance of triggering a random encounter if you fail a (group) survival check.
I'll have to admit that I like this idea as well as it would make things more interesting. After all if your camping out somewhere something or someone is bound to come across your campsite. This would be true even in real life
