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The leveling in this game is too restrictive and really cripples the ability of doing things out of a specific order. It is also why I decided to STOP supporting Larian in further kickstarters...as they've strayed too far from what I used to like about them.
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You can do things out of order. But if you run into enemies that are tougher than you, you get your behind kicked.
Very much like in school. If you are a third grade student, it is next to sucide to try and beat up the school bully from 8th grade.
And once you are 8th grade it's a doddle to beat up the little kids.
By your writings, I suspect you like a different type of games. Why do you not play them instead?