It's all about the items.
On top of this, sometimes you don't need to be super specialised in multiple attributes, having a chance to fail is a cost and believing hybrid chars are no good simply because you failed a 10% chance one time is no different to having a 100% chance and failing because of their saving throws.
I don't use any of the presets, I only did my first run or two. But a lot of new and/or unfamiliar players are going to be using the presets, so that's why I brought it up since that's how the devs have tuned it.
I am one of those "peak efficiency" players so the hybrid penalties annoy me :P
Saving throws do happen, but I've yet to fail a 100%-120% spell on enemies of my level. Higher level enemies or boss type characters always have high defenses. But in the average fight all my spells work.
What doesn't work is when I only have a 50-80% of something working. It is true a 100% spell can fail due to a saving throw, but at least it actually casts. I have more of an issue with self-casting spells like Water of Life, Become Air or the Rogues haste. They can fail to cast in a combat scenario (if you have low stats for the skill) and that's difficult to handle.
