May be it's hard when you start this game, I was laying on the ground most of time too when started playing this game, but it was fun, because it was usually at Modoc, because of respawn point there, also there were alot bluesuiters and I had tendency to find any gun there everytime I come there (unfortunately usually without ammo and I was keeping that gun before few times already... so yes.. it had no ammo) but anyway it was fun, we were killing each other and I was seen Modoc as just arena of bluesuiters, until some bluesuiter come with grenades and kill all.
Anyway it's not that hard even if you start with 1 CH character (yes-yes, after wipe I created an alt with 3 CH to get 400 caps from quests and buy mentats, so my main character could get +15% to SG and 10mm pistol for free at begin, even 2 pistols... from alt also), 3 CH isn't neccessary, just don't go to unguarded towns and don't walk near (0-1.5 squares) guarded towns + use real time combat always, if you can't fight in RT, then exit from client and switch to TB when you're far away from towns and you're hunting there and you will die only from unlucky knock outs in a row.