To OP.
You have it right at the start, it is a masterpiece. To me this is the most fun I've had with a CRPG. And you say that even when weighing in the balancing issues with the game. But you put way more effort into the problems than what is right. I get that, we all do that. But perhaps soon, we'll realize these issues are the main topics in General and perhaps we do need to praise the good things, because whatever those are, they outweigh the balancing issues for us to still call it a masterpiece.
Good news mods can fix a lot of this. I'll have something out there when I'm satisfied with play throughs, but source points, gold, prices, armor system, skills, nothing being abandoned, just refined. There is a LOT of low hanging stat fruit to work on.