I still think this game is gorgeous and well done. I am still slightly bothered by Robin's character joking with her when he should realize why she is afraid of them. But I assume it's within Robin's character to joke and within Will's not to care. I would be terrified and not nearly as witty if a group of guys stopped my car and tried to ride off with me saying "no worries you'll be fine lol calm down".... I still love what all it has going for it though.
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Robin's refusal to take things too seriously and the giant chip on Will's shoulder are indeed meant to be character flaws. You'll get to know them both more in-depth in the full game. Also, Marion lives in a much more dangerous world than we do and has dealt with bandits regularly over the last few years. So she's better at keeping her head in this situation than you or I, though she's still pretty scared.