I've been playing on my Swashbuckler (lv.9) a lot recently, and I've noticed he's having a harder time with places like Scratch's house and Waponi Wu. I'm wondering if the game is getting harder, or if my Swashbuckler just isn't that strong.
But remember, keep your nautical level up, save gold for ship upgrades, and train your companions as best as you can.
I played with a Swashbuckler, and so far, I have not encountered anything that I would consider too difficult.
However, there is a quest in Cool Ranch that sends you out to fight Sky Snakes. That quest is extremely difficult, and therefore I recommend you wait a few levels before you complete that quest. Keep this in mind.