great summary... I hope this gets fixed. How is the player supposed to feel significant and heroic when a random gith fighter level 5 has stats like they are at least 10 levels higher... And the HP bloat is troubling for many reasons that have been discussed numerously in this forum.
I mean, they should get fixed but I will disagree with your statement that the player is supposed to feel significant and heroic. This is the end goal, of course, but it's a journey. If the game put you in a place where you feel confident to beat any enemy since the (relative) start well, there isn't much left for the "hero journey" :P A good ass beat is an amazing propellant for greatness
But yes, I agree the game should beat my ass with consistent enemies. If you want me to face a level 10 fighter don't call it a level 5 (even if I don't like knowing the level of my enemy in a d&d game :P)