Been reading this thread except for most of Paul's "spoiler" posts

I just started this game two days ago after getting it on the Steam summer sale. Wow! I played Fallout Tactics before this and I must say this game gives a better "feel"... all that's missing is some power armor and I'm happy.
I am curious about Paul's two teams... I started the game with 40K funds and just managed to get two guys... well, one guy and one gal. So far, I have taken the airport, the town, the mines, the water pump, the roadblock, and the uni/hospital with just the two of them. My biggest problem is carry-capacity. Each merc has one primary and one backup weapon, which just leaves me with 4 additional weapons to carry back to base or give to the militia. That limited slot space and the limited inventory means I leave a lot of stuff behind.... like those kinky magazines and empty batteries.
So anyway, one team of two mercs. One is a handgun specialist and is ideal for closer-in attacks which I discovered also disrupts the enemy's aiming time. The other is a sniper-type, though he doesn't really have a sniper weapon. He shoots single-shot when the hit possibility is good, and fires a burst for those -oh-#%&*$#-we-got-lotsa-baddies-coming-in- situations. Secondary weapon for both is a shotgun, which is fun when I can set up a trap... get one merc in position, the other one goes in the open, sticks out his tongue at the bad guys, maybe flick the finger, then runs back. Infuriated, the enemy soldiers rush in, only to find themselves facing two shotgun barrels in nearly-point-blank range. My main tactic, though, is to spot the enemies from afar, have the handgun merc crawl closer, then start sniping with the other merc. As the sniper guy takes longer to aim and shoot, the enemy usually gets hit once, decides he wants to come in closer to bring him in range, runs towards me, then realizes the handgun merc is there and annoys him and prevents him from doing anything. So usually, an engagement has my sniper firing one shot, enemy comes in, second merc gets the guy in range and fires of two or three shots which essentially "suppresses" the enemy, then my sniper gets off the second shot finishing the guy off.
No sweat. So far I've only used up two or three of those bandage roll kits. I'm playing on Normal difficulty with Line-of-Sight... I wonder if you guys are playing on hard?
I once saw an enemy patrol of 9 soldiers coming at me so I just waited for them at the road just after the mines... when the fight started, I parked my two mercs behind a rock, crouch position, guard mode on. Used the Baretta 92F and the Enfield L85... none of them even got close.
I do need a third or fourth member though... need some Mechanical and Explosives guys in my team, but strapped for cash at the moment. I do have some 45K worth of diamonds but have not sold them yet. Still at 06:30 on my third day though... damn, my ammunition order hasn't even arrived yet.