I saw the difficulty levels from Divinity in another post and I saw one on of them was things like increasing player health and damage.

Instead of that, I'd like rather like differences to character creation, especially towards common char gen house rules.

Increased points for Ability Scores. (30 or 32)
Free bonus Feat at 1st Level.

Stuff like that.

But I also much prefer XCOM's way of doing difficulty where it has the four levels, yeah, but it also has a large list of options to click or unclick so that the difficulty settings of a particular campaign are personalized.

So things like:

Minion hordes (1 HP monsters) on/off
Jump Bonus/Action
Shove Bonus/Action
Shove base distance 5ft/Str based
Interactive Environment features (exploding barrels etc) frequency slider
Enemy shove on/off
Enemy jump on/off
Enemy seek backstab on/off
Height Advantage on/off
Treasure value slider

etc.