If the enemies hit you hard with physical damage, you use leech to counter it.
If you die from elemental attacks, you build up resistance.
If the enemies are too tough, you build more damage.
If they hit you with cc, you build willpower and bodybuilding.
If you don't have enough money, you get stuffs to sell.
etc...
How is that dumbing down? Are you suggesting that I shouldn't build against physical damage but taking off armors, use lvl 3+loremaster rings to counter elemental attacks, use lvl 3 weapons, never build willpower or bodybuilding etc...? That's what I call dumbing down