Well, I've done my best to follow the help and suggestions other players have offered and the character I originally posted about, my rune keeper, is doing better, and I think she might make it to lv95 if I can find the patience for it.
However, I just dug my Champion out of mothballs and was horrified to find he is even squishier than my rune keeper! On the yellow tree he was nearly getting killed by a single on-level non-elite. Switched to the tanking blue tree which has a lot of self heals...he could handle one ok but 2 on-level non-elites were too much for him. I mean...come on...he's a freakin tank for gosh sake and he can't handle 2 on-level non-elites?! ###! And this was after messing around on lower level stuff to get the hang of the blue tree attack rotation so I'd know how best to handle a mob. I had to switch my RK to the red tree just so she could survive but seriously is the red tree the only survivability option for the solo player? Seriously?
I've done what I can improve based on the suggestions given, but all I want to do is quickly and with as little annoyance as possible grind out my remaining 48 levels. Under these current circumstances leveling is much slower, more tedious, and a heck of a lot more frustrating. I though games were supposed to be fun, where is the fun when your champion is as weak as a little baby and you somehow have to slog through 48 more levels without going crazy. I'd really prefer that content be made crazy insane challenging for level 95s but left easy for people grinding out levels. Enough already, this squishiness is sucking the fun out of leveling up.
My champs particulars:
Race traits equipped: Tactics and might bonus, Man sword damage bonus
Virtues equipped: Compassion level 4, Valour level 4, Charity level 3, Fidelity level 6, and Patience level 6 (These are on par with where he is at level-wise in case anyone is wondering)
Armor/jewelry/weps: Mix of purple and teal crafted at or as close to his level as was possible and with appropriate stats
Using full line of purple superior food, scrolls and fervor potions at the level available