I think we get way too much stuff from loot.
My level 10 characters got over 40% of their ability levels from their equipment, despite the lonewolf talent.
Plus they get a dozen of 10% or 15% resistances to various effects and 8 points of stats.

My mage has already filled its 3 skill bars and has enough money to buy the other skillbooks.

Because you have easy access to skills you don't need to buy scrolls. And because you are powerful you don't need to buy potions. So you get no money sink in the game.

I want less loot from low level combats but good loot from bosses, many scrolls for sale and more expensive skillbooks.