Well, you would, for instance, receive permanent damage way before you have greater restoration and heal spells or have the money to buy those scrolls . Generally speaking, how difficult you find the game often depends on how you play it. Even the hardest encounters are quite tolerable if you know before hand what you are facing. Except often time the only way for you to know is by reloading your save. There is no retreat from combat option. But if reloading is necessary then what's the point with the whole dice roll thing? Once you start reloading saves, you are going to do that with everything whenever you got a cripplingly bad roll, which renders the whole premise of the game into a pointless time sink.
Did you finish the game? If not... boy are you in for some surprises with difficulty spikes.
With all of these issues, combining with no customizable tactics despite incredibly dumb AI, I'd say it'd take a lot of goodwill to call the game good, or even decent, let alone great.