I'm going to be running Skull & Shackles for a group of 3 very close friends. We've been gaming together for about 20 years, and we tend to create very combat-capable characters. Our games are traditionally heavily combat-oriented with little RPing, and my group tends to hate/distrust NPCs and kill them off.
In S&S, I'm less worried about them killing off the NPCs since that will have very real penalties with their shipboard relations. I'm a little more concerned as to how they'll be able to handle the encounters with just the 3 of them.
I'm planning on having them create characters with point buy, 20 points. Do I need to give them more points? Do I need to adjust the encounters in Wormwood Mutiny?