I have 10 LK and 6 EN, molerats were knocking me out very often, they usually were dead before reach me, but... if they reach me, then it's knock downs after knock downs, or just knock out.
When I hunting junktown scouts, the first shot may knock out me, and then they starting to do with me what they are wish.
Crazies with scavenger skin are 100% all sniper builds, because they almost always crit with thier deagles and smgs, there're more crits than regular shots.
But Raiders and Regulators seems have bad LK, and they shoot me many times and I can't remember any critical shot at all, but it mostly because they, atleast Regulators, don't do aimed shots at all to players, while ghouls and JT scouts always aiming groin, head and eyes.
Well as avv already said, and I doing that myself... just don't carry anything valuable with you when hunting, all I take with me is a smg and some 10mm, that's all, because armor won't protect you against crits, and if it's not crit, then you don't even need an armor, because non-crit hits aren't so painful.
I don't have Stonewall perk, and it's really annoying when I have like 4 or 5 knock downs in a row, some rats may keep you on the same hex and even make you full APs negative by simply knocking you down many times in a row.
But it's just real life luck, and it's ok, even if they won't crit you, I don't see any reason to wear any armor while hunting anyway. Even against master army, bluesuit and smg is enough, especially if they have rocketlauncherer, who will help you to kill his friends. Plus death in bluesuiter with crappy smg, which is farmable at many encounters and you have 34857968 of them is nothing, but spending time to get from respawn point to your tent/base again.