Re: Some advice
Thus far, in my Fourth Age game we've got a Dalesman, Osgiliath Watch, Dwarf of the Glittering Caves, Umbarran Merchant in Gondor, and Asdriag Sword for hire, an Ithilien Ranger, a Rohirrim Lordling, and an Osgiliath Urchin.
Within my (and Mastermind as he co-GMs) estimation, 100 pts is more than enough thus far. All of the NPC builds are modeled off of this, too, though. I've seen big street fights (amongst the guard, urchin, and some rabble), a cove-side skirmish, and a shifting night-fight thus far. I'll admit to being armor light and allowing one level of Combat Luck, but the PCs have dominated in each and every struggle.
No magic (to speak of) in my vision of the Fourth Age, so skills and combat play an equal part. I don't feel the PCs are underpowered at all. If anything, I'm leaning the other direction.