Chaosmancer
Legend
So here's how I handle my halflings:
There are three types: the wanderers who roll around in wagons, the homesteaders, who are the typical rural folk halflings, and then the city halflings. No one else considers them different types, but each of the three groups thinks it's unfortunate that their cousins chose poorly.
Keep in mind that mine is a genuine Death World not just full of predators and bandits, but elemental leakage, magic pollution, and the chance any random organic being (including grandma and her little dog) might digi-volve to ultimate thanks to the afterlife being broken by dumbass dragons and become a living engine of confused magical destructions.
The wagoneers deal with it thusly:
1) back in the day the original halflings were humans transformed by the god of revelry, luck and adventure into tiny badasses to show off to his brother. He traveled with them for decades as a halfling himself and occasionally hurls himself and his wife into the world to find and fall in love with one another again as halflings. The world knows that is always a non-zero chance that messing with a halfling means messing with the god of luck and making you look stupid before you die. At this point even animals kind of understand this.
2) failing that, they were wolf-riders with kusari-gami and spears backed by honest to god snipers and at least a couple of clerics. Sadness is the best outcome for those messing with them. In the book series, they also hire mercenaries to reduce their own casualty risk.
The homesteaders do what everyone else does: build a wall, raise every kid to at least know the murder end of a pitchfork and then if trouble's a'comin', send someone out to bring samurai... I mean adventurers... before the stalks of rice bend. Because this is a Death World and not an ongoing apocalypse, this works well enough. Sometimes the monsters win and they have to scatter.
The city folk are city folk and are safe from the Death World. They sleep at night comfortable in the knowledge that they won't be eaten by the ogre that just punched down their door. Because they have his boss's money or at least he know's their good for it.
See and this is all great. You had to consider how to deal with the monsters that were in the world, how do they defend themselves.
Why is that a wrong thing to consider? Why is it wrong to look at the lore we are given and say "Luck, sticks and rocks wouldn't be enough to survive the typical DnD world"?