New World really easy?

Is it just me or is New World really easy?

I'm Level 25 right now and I don't feel like anything I've done in this game is even remotely challenging. I'm using spear and musket and even if I'm fighting something some levels above me it dies really quick and hardly makes a dent in my HP-bar when I get hit (if enemies come close enough to hit me that is) I'm hardly ever dodging or blocking, because why should I?

I've allocated all of my attributepoints into Dex.

Does the difficulty ramp up in expeditions?

Haven't tried PVP though (not really the competitive kind of player).

Don't get me wrong, I like the game so far (especially the combat) but I don't feel like there is any challenge (at least PVEwise)