Some of this can be remedied by adopting the Vitality system and giving PC's a defense bonus to their AC. This compensates for the lack of readily available healing and magical armor. But you still are going to have problems. Its something that needs a lot of thought and like I said before, when I put my pencil to the paper I just sigh and stare at the blank page.
Their are other games out there but I would have no one to play with. Besides, I do like the d20 system and its what I know best.
Hmm, maybe I'm just extremely lazy, but somehow I think its more than that.