I think your ideas about this period are similar to ideas that the chinese people have about the U.S - many think that the U.S is overrun by gangsters and terrorists and lots of other dangers.
Why is that? Because people only write about the drama.
If you actually travel to any existing country where there are small villages, you will see that strangers are always treated with great friendliness and respect. If someone walks in to break the monotony of your cow herding, your instinctive reaction will not be to kill him.
It's the same with robbery - there are a lot of stories about robbery, but in reality, human societies don't function when people steal a lot. It's not true now anywhere, and I doubt it was true back then. So robbery will likely not be a problem.
(Remember also, those who wrote history where those who rode in fine carriages, and such people likely thought a lot more about robbery than the common guy)
Warlords in the north did not have an information apparatus - you could live for a while before they would become aware of you, and even then the interest shown in you would probably be more benign than not.
Cleanliness is something you really would not be able to maintain. Imagine the process:
1. Wake up
2. Get a bucket
3. Walk a kilometer to the next well
4. Walk back holding 10 kilograms of water
5. Bath yourself with this freezing water (be careful not to catch pneumonia)
6. Somehow either invent soap or buy some expensive soap
7. Do the same, but for your clothes
8. Avoid being too close to any children or anybody who is in any way grubby, because they will instantly void your work
9. Be considered wierd for doing this everyday
Cleanliness is not that easy in a cold climate, and it's not that neccessary compared to a warm climate.