I think you underestimate the effect of being 12 levels above the target.
I didn't have much issue soloing Fear in Velious as a 59-60 necro with charm. I didn't do break in, but I charmed Fetids and did Nightmares for Greenmist boots. Had FD, but no Tash or (in the case of enchanters) 255 charisma.
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