Just to add my recent experience related to the customizable difficulty topic: recently i played Solasta and tried the new difficulty options they added via their last update. I was curios to see how they work.

The EA is pretty unbalanced in terms of fights and during the first hours once i encountered enemies who got the better of me, no matter how many times i savescummed. I was in the middle of combat, I did not want to start over the whole fight i also wanted to win the fight from there as i had a plan but wanted to also keep some challenge for the rest of the battle. There were 2 of my members down and dying at this point which was frustrating as they were failing their saving throws and the enemies also kept attacking them so i turned off the "merciless AI" option mid-battle and added +3 to Ally Saving Throws. The enemies immediately started to rush at my remaining characters and my downd allies started to win their death saving throws, it worked like a charm.
Then, for the rest of the battle i felt enemies have unreasonably high damage and attack so i set Enemy Attack roles to -2 which was a small but noticable change, eventually i won the fight (it was still challenging as the enemy used unexpected reactions like counterspell and shield). It was also really interesting that the boss enemy was unknown to me, i had some idea about his stats but i was not able to see all, so i had to think about my attack chances carefully and check the combat log to gain knowledge where the attack/defense cut-off would be how i need to strategize with actions and how much i need to roll to hit that.

I kept these settings for the rest of the EA and combat is a blast this way (for me). Enemies have a lot of skills (flying!), reactions (negating my spell, shielding their allies) which is already cool, but the numbers i tuned a little bit to keep the experience fun for me and also i did not like that they kept attacking downed party members all the time.
Everybody is different, it's nice to be able to fine-tune your experience to your wish, i hope one day we can see similar options/features added to BG3 as well.