I've always thought Divine Divinity was a bit tough. But then I only played a Warrior, and the Black Ring always owned me because of their spells. It's almost always a massacre. :P The sheer amount of quests in that game that you could do pretty much at the same time also overwhelmed me.
I remember in the very beginning, where you had to restore the wizard's sanity (I can't remember his name, haven't played it in a while <img src="/ubbthreads/images/graemlins/disagree.gif" alt="" />), the skeletal guardians and the casters always destroyed my character. A lot of things could easily destroy you, now that i think about it.