For me, it's not just a problem of suspension of disbelief, it's a problem of destroying involvement in the story. If too much bad happens to the characters, I'm less likely to be emotionally invested in them. Martin's "The Princess and the Queen" (a prequel to ASoIaF) in Dangerous Women is especially awful that way, through the characters aren't developed very much, either. I'm hoping he does a better job in the main series.