lol I feel the same way. I bought this day 1 but just started playing 3 weeks ago or so. I was around the same level for Margit, killed him pretty easily, same with Godrick although he took me about an hour of tries. I definitely need to git gud but am level 45 or so and bashing my head against the wall facing Royal Knight Loretta. Probably just go grind more I guess, or got too comfortable with my approach to bosses and she is really throwing me for a loop with her mix of magic and charging at me on her fucking horse.
Wasted a few levels getting STR to 18 for a weapon I thought I wanted to use but it kind of sucks, so whatever. But good to know that early smithing stones are in near unlimited supply... now I can not feel bad about hoarding them and just upgrade some of my weapons.