First section, I'd advise something between the two. Playing as humans in a WoD analogue means that they will die quickly. There's no real way around that, you've got naff all health points and Lethal's basically Aggravated damage you might stand a chance of healing in the distant future. Giving them a bit of training and maybe some firearms experience (maybe police?) could help with that a little bit.
The second one depends entirely on how it's done, can't really help you much with that one. The difficulty is, it can feel really cheap or really well done, but which side of the line that falls on really depends on the beholder.