[VariousRen]

I've run a DF game that had players start at henchmen levels (125 points). At that level most warriors are competent but are still at risk of failing the occasional unmodified defense and are still moderately troubled by traditional armour. Wizards have their spells around 14 or 15, and they don't have a lot of them. They can usually deal with them, as long as they aren't outnumbered, surrounded, etc.

Some monsters are going to end up being more deadly than others because your characters might not have access to particular abilities. An electric jelly (shock damage every time you hit it with a metal weapon) is going to hurt a lot more than usual if you don't have a scout who can shoot it 4 times a round or a wizard who can pump a few 12d6 fireballs into it. In general the threats to a 250 point crew will be extremely dangerous to a 100 point crew, but they would still be interesting to have around in limited numbers.