1) Without specifics or names, are there any missable zones? As in an area is destroyed or inaccessible after event X, or can all zones be (re)visited at any point? So far the urge to explore has been greater than to move the story along. However I don't want to rush the plot as it thickens if it can cause me to miss out on some content.
It depends what do you mean by "zones". if you're talking about entire location (like Broken Valley) - then no, there is no such. Small dungeons - yes.
Game is pretty linear.
2) In exploring everything before continuing the main story, I've already become overpowered at just level 10. I am playing as a ranger and at the start I had to kite mobs, actively dodge, and be careful when approaching groups or be killed. Now that I'm out of places to explore and continued the plot line, I can one shot most mobs and use scattershot to take out a group. If this is temporary, then great! I like seeing an advantage in power from exploring instead of rushing to the finish line. If it is a case of once you are ahead of the curve, the rest of the game is trivial, then I'm greatly disappointed. I'm hoping the mobs get harder when I go to the tower mentioned just after the vision (my save game is just after the vision and conversation with the wizard).
Archer is a cheat-class in the game ;P
3) Are chest subject to a RNG? I'm assuming this is true as I opened a chest once, subsequently died, loaded my save and got different items. If so, great, this adds to the replayability as it won't be as predictable. The only thought that arises from this, are their some items that can only be gained from one chest but are subject to this RNG?
Yes, in 99% cases it's RNG.
• Decisions don't mean much - Maybe I got spoiled with the gravity of decision making in Dragon Age, but it seems picking sides (so far) doesn't have much effect other than a shop owner raising or lowering their prices. In fairness, I haven't gone that far into the game so maybe their are more important decisions ahead of me.
As I said a;ready - game is pretty linear. There is no real choices.