XCOM is a strategy game. Missing on XCOM is very different than missing on BG1/BG2 or on M&M VI, M&M VII, M&M VIII, NWN, IWD, NWN2, IWD2, action focused games such as diablo 1/2... An small tweak to missing can lead to an chain reaction of changes on ranged weapons, spells, feats, etc. When an better solution is simple let the 'charname' start at lv 3 or make armor rarer.
And i don't wanna "puzzle mini game", i wanna an immersive BG experience.