You need to remember one IMPORTANT thing here. Don't treat this like you would another game. Your survivability has nothing to do with your level. Your gear may help sustain you a bit but that won't really save you either.
You need to be confident in the skills you have chosen at the time (or be compitent with the ones you are stuck with if you can't get the ones you want yet) and above all, you need to have STRATEGY. There are ways to take down big groups in little pieces.

I spent a whole weekend doing it.
Myself and a buddy of mine ran into a bottle neck on questing. 2 guys with mediocre equipment and skills. (this took 2 hours mind you) We took out one grouping of charr that numbered roughly 50+. We both did it with 8-12 damage bows and 40AL armors. Probably could've traded like crazy to get better weapons but figured why bother since in one day it would be wiped.
Sometime when I get the chance I'll post a couple "big game hunter's trophy mug shots" to show you. It was a very proud moment.
Not exact disposition mind you but group was something like this....lvl5 charr=15...lvl 6charr=15....lvl 7-8charr=10...lvl 10charr=5characters.