A level 2 character on Taris would be owned...though if you were the scoundrel class you could sneak past most enemies(but that would be boring)
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Not really. All you need to do is rely on your party members to deal with trouble since they can level up. I did Taris that way. It sucked though...
On to the topic. I don't think consulars will lose in comparison to guardians since the whole point of playing a consular is having a lot of force points. This purpose was defeated in KotOR due to the "force sensitive" feat that gave the PC way more force points than he/she was supposed to have, which meant that at the higher levels, guardians could spam force powers without much trouble. I doubt such a feat will exist in KotOR II, so maybe there will be a reason for playing consular after all...