So i bought GW2 2 days ago and really liking it thus far. But im stuck. Leveling an Human Warrior and have done 14/17 hearts in the starting human area, doing all the DE's on my way. Im now level 12 and remaining hearts are way out of my level range, with 1 being underwater for level10. The problem with the underwater heart is that i got only 1 skill unlocked and do way too low damage and die constantly to the mobs there. 2 other hearts are level 15 and mobs just rip me apart. So how do i proceed with my leveling?
Also i have accamulated 3k karma, can i spend them at lower levels for gear upgrades or do i need to save them untill 80?