MP Encumbrance action penalty

[Spikeball]

The way I read the rules: Most characters have a Dex that gives 3 actions. The encumbrance rules put most characters into Medium encumbrance(Which is quite appropriate for a military combat load). Medium encumbrance removes two actions. This gives an expected 1 action.
So why do the combatants in the combat example get 3 and 4 actions instead of 1 and 2?
For that matter all the sample characters have the DEX granted actions listed without any encumbrance penalties lowering them.

Am I missing something? Or are the examples provided including too many actions?