Upon reading the manual I discovered that Barbs dont kill you undefended settlers and workers! They capture them, take them to their camp where you can liberate them.
That is a very change. I sometimes sent undefended workers/settlers and if you hit a barb in the mist you can either reload, or be very frustrated and set back.
You have to kind of wonder what those settlers and workers will endure while in captivity. Let's just hope the barbarians are... chivalrous.

Also reloading when something goes wrong is weak.