Sorry TonyR ... I may have misinterpreted your 'not taking one in to Mull' with 4 up as a generic brushing of such people as fools.
If that's the case then I apologise and agree that a low hours pilot should get more experience first, perhaps even a specific check out with an instructor to ensure that their short field techniques and performance calculations are totally up to scratch
My first trip in to Mull (in the Warrior with four up at least) was with about 175hrs.
Credit to EGCJFlyer for asking the questions though. I think he is thinking more about the issues than you give him credit for
