to quote the devs
1.0 = Beginner - Your grandma can play the game
2.0 = Normal - Quite challenging with lower level perks
4.0 = Hard - Very challenging even with mid level perks
7.0 = Suicidal - Incredibly difficult, even with high level perks
my question is will setting the server to, say, 3.0 do anything? will it actually be more difficult than Normal but not as bad as Hard?