I bought my H4n in July, and i've recording all sorts of ambiences (some with very low amplitudes), a lot of concerts (most of them acoustic and very near silence), sound effects, mostly indoors, all that with the onboard mics or 4 channel recordings with a MS pair of AKG blue lines using the onboard matrix and P48V. And I haven't found any of the troubles you're describing... i never used the TSR line inputs, always the XLR inputs... I usually record with volume rec set at 30/40, sometimes even lower, 15/25...
I only have to say that going from the MT2496, a Canford audio MS preamp and a pair of AKG in MS style is a big plus, very small setup, I used the sony pcm D50 a couple of times, but i really prefer the H4n onboard mics and the XLR/4 channel set...
Batteries is another department, using 4 Channel or even XLR/48v is very demanding for a couple of AA batteries...
CS