The dice ARE loaded. Best I can tell you is save scum until Larian do something about it. As per my own research, skill checks seem pretty on point and fair. Attack rolls are another story. I recorded every ATTACK roll in act one without save scuming and averaged them out. I broke it down into AI and PC. Pc rolls being an attack roll from anyone that is currently in my party. I had Karmic Dice off for "the TT experience" roughly 1200 rolls from each side and my findings were the "player rolls" were averaging around 7.4 and enemy rolls are averaging 10.9. So get used to hitting the F5 button before your good attacks and then the F8 button when you inevitably miss it with a stupidly low roll.
Footnote: these averages are the best I could get being when you have advantage or disadvantage it only tells you the die roll that is used. In my play through I had advantage far more than disadvantage so that 7.4 should technically be lower, but being disadvantage take the lower of 2 rolls and I can't see what the higher roll was to properly calculate the averages, I'm going to say they cancel each other out.
