the only difference between hermit and village is amount of people, hermit is one player and usually trades with a few people nearby
the amount of effort and efficiency depends on the individuals. playing since the start of w9 as a hermit with 2 other hermits relatively nearby and i too am getting bored. i think losing everything wouldn't be so bad right now as nothing has any real value except animals and produce/seeds. i almost wish someone would raid me to make the game more interesting >>
nidbanes have ways around them, you should continue to fight and learn how to defeat them. then your raiding should be easier. and the only repercussion for losing master key is someone probably changed the lock to them. if they are locked in then who will defend the base? easier to break down the door then imo