There are forums, guides, etc in the net today. You do not really have to memorize all the rules and devise tactics by yourself anymore if you do not have time or you just don´t want to...
There are plenty of videogames (and tabletop games) with a far simpler character creation or ruleset, It´s refreshing to found one of the few that has interesting and complex mechanics with lots of options.
- The worst thing are enemies with touch attacks and enemies that lower stats. Its even worse when both things are combined, like some ghost like enemies that drain your stats with touch attacks. Sorry, but I am still not sure what helps against those.
.
Touch attacks only surpass the actual armour and natural armor. You can block it with dexterity bonuses, deflection bonuses (lvl 1 shield of faith, protection from evil, etc), dodge bonuses, monk defense, lvl one shield spell and the lvl one spell mage armor, for example. There are more spells that help on higher levels.
You can avoid the ghost´s consumption with death ward, stalwart resolve and some other spells that turn you into an undead (they are inmune) or just use Jaethal as a tank.
The IA is not very smart, you just need to move away: you can protect your weaker party members with sanctuary, invisibility or simply teleport away (unless against those pesky dweomer lions).
