"Level" counts way too much in this game...
I tried to face stone (level 28 boss) at level 26... he charged me for 300 damage every time, leaving me stunned and at less than 5% health, then he will finish me off with a second hit... Once I managed to beat him by immidiately going invis (load until i get it off in time), run away, blast with magic missile, and use potions to health the damage from his magic missiles... but I decided not to follow, i reloaded, retreated, and went to do some other quests...
If I snuck near him while invisible and hit him with my wall of fire, it did practically no damage, and he still killed me in two normal hits.
When I came back I was level 31. I had gotten one extra rank of magic missle that doubled its damage. But that wasn't really the issue, I just walked up to him... his charge attack did insignificant damage which I healed almost as fast as he was hitting me, and did not stun me. The arena was a joke, I was using firewall to drop everyone and they were not able to hurt me... (speaking of, goblins have been doing 0 damage per hit for several levels now)..
This is not the first time I noticed how significant LEVEL is... Level seems to be the KEY to victory over anyone... your skills matter little. If they are higher level you will be slaughtered, if they are lower level they are harmless... It might seem crazy to "waste" 15 skill points on wisdom, that can mean another "combat" useful ability maxed out... but those don't seem to matter nearly as much as another 2 levels by the end of the game (actually you will only waste 13 skill points, because you get 2 extra from those 2 extra levels you gain... so total is -15 points used +2 gained from skill = 13 used up total by skill)
