[@Tominas]

The exception to this being the guards as they'd probably need to deal with people such as the pc's fairly regularly. The general rule of thumb is that most guards of the type that have freshly joined the force will be around 2-3 skills, veterans that have been there for a few months will likely be around 5-6, and officers that have been there for years and likely actually fought in a few wars will be around 8-9 skills. So yeah, the civillians aren't going to be too hard one on one but don't fuck with the guards ;P