To be perfectly honest, yes, I am. I have enough difficulty with regular difficulty settings as it is.
I'm man enough to admit that while I consider myself a gamer, I also realize that I'm pretty much a n00b. (Actually, I'm a woman, BUT WHATEV.) I still suck at FPSs and can barely stand the level-grinding in RPGs. The only games I seem to be decent at are the puzzle games, surprisingly.
So yeah, I definitly can't handle the harder difficulty settings. I just got into gaming too late in my youth for me to be that good yet. Maybe I'll get there eventually.