Hm, I think action is normal - but as you can choose to change lvls in-game, why don't you try it?
On easy I had 2 skill pts at the beginning,
action was 1,
tactical was 0 and hardcore was 0 as well. IIRC. The only lvl you can't change, is hardcore as soon as you've chosen it.

Macchiavelli calling <img src="/ubbthreads/images/graemlins/winkwink.gif" alt="" />
start new game on easy (for the 2 skill pts) and then take the lvl you wish after that <img src="/ubbthreads/images/graemlins/winkwink.gif" alt="" />

IIRC =>
except hardcore, all enemies were nearly of the same amount (hardcore was about 1 1/2-2) - XP is the same for killing, but the higher your dif. lvl is the more damage they inflict. Though in Act 3 I had the double amount of Earth Elementals in one place on tactical than on easy (no clue, if this was by accident or due to dif lvl)

Hardcore has a slim chance of giving you 2 skill pts per lvl up. All others lvl up by 1 and have 2 on every 5th lvl.