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I was fortunate to have upgraded the Stage Coach Network immediately after arriving to the Hamlet. I can't stress enough to new players that your party members are disposable. At least they are at the lower levels of the game. That seems to be the biggest mental obstacle to new players. I'm reading a lot of people restarting after losing a guy or two, and at Level 0-2 that just seems like you'll be spinning your wheels and hating your experience.
My first Crusader, Reynauld, could only relieve stress through prayer. Then he apparently looked too deeply into an Armoire of Lovecraftian Despair and got the negative trait of only being able to relieve stress through flagellation. Well sorry Reynauld, I'm not going to spend 1500 gold so that you could possibly get better at the Sanitarium. He was eventually left at 100% stress before he hit level 2 and so I dismissed him as soon as I got another Crusader from the Stage Coach.
After a few hours I've only upgraded the Vestal's healing abilities. Everything else has gone into the Hamlet. I am starting to separate the wheat from the chaff so there are characters I'd rather keep alive for a while but so much more that don't matter so much.
I also like the touch that it's impossible to be left in a Game Over state. Just keep filling that graveyard and sending new recruits to the dungeons to rebuild your funds. Hopefully you invested in the Stage Coach Network. You can dig yourself out of any hole the game throws you in.