With EN 8 you will gain 6 maximum hit points every level. It is normal. You can boost it later with a Lifegiver perk.You might need some little crafting, but you can also buy equipment from other players or NPCs. To talk with NPCs, you will mostly need CH 3. Also remember to build a tent to store the equipment.I don't have any experience with bank accounts, so I cant answer to that one. Of course you can store caps in a tent too.More info about tent:http://www.fo2238.fodev.net/wiki/Tent
Yeah I have been trying to get enough hides for the tent but I usually get killed and looted before I can get up to 10 of them.