10 HP? No problem at all for a werewolf, even if not in blind rage!
I'd recheck carefully whether the problem is that you've been underestimating monsters. If you fought a twenty round battle, and the monster is near dead, the possibility that you've been lucky 20 times in a row is always there. If a monster turns to blind rage that you suspect to be capable of killing you, you should switch to coward, walk away for a bit, and wait until it panics. ADOM is all about player experience and not taking unnecessary risks.