@ekidhardt, my current playthrough I'm only using one character in combat (though the other one is just sitting in town; I didn't kill her). My combat unit has LW and Sneak 5, but no GC or Leech, and about 20 unspent ability points and 2-3 unspent talent points at level 18. No rubies. It's still pretty easy.
@dirigible, do you mean spells including MaA, Scoundrel and Marksman skills, or just magic? Seems interesting. I don't really like removing such a large amount from the game, which is why I was thinking of restricting each character to a couple of skillsets. I can't say much without trying it though. Thanks for the suggestion.
I agree that the excessive saving is one of the biggest problems, and is something I'll be sure to avoid in the future.