I have the same experience, i miss alot and enemies miss very rarely, even in my tank.
When i must do just 7 or more, and must F5 3 times, its a frustration. if was so rarely, ok its the RNG, but its very very common to miss a action / speech. I dont know if Larian see the Statistic of roll, but for me, the game is named "Baldur's F5 Gate F8"
Are you telling me that you beat BG1 and 2 without ever once having had to reload?
If you are reloading for every single dice roll then that is your choice.
If you are actually reloading only after failing an encounter, that would be on par with the same experience from the first two games.
A 75% chance to hit is still 25 times more likely to miss than a 99% chance to hit.