The core of the problem is that there are just 3 levels of difficulty for millions of players. There are gonna be a lot of people at both ends who are not suited by either the easiest or hardest difficulty levels. I am sure there will eventually be 5 default levels with hopefully a custom setting with sliders for everything like Owlcat and Solasta guys do. Why didn't they do that already? They are stubborn about dumb common sense stuff.
In the meantime if you want to make it more of a challenge you can just do it yourself with some self control. I know that is not ideal but it is more realistic than suggestions in a thread being coded into the game in the near future.
