i think your points are overall reasonable.
The armour system was anounced to be changed, we don't know what the end result will be, but a lot of people already complained about it. Ideally it does not resort to magic/phys armor split since this just rewards mono teams (like all magic or all physical)
I really liked the difficulty and near the end game it does get quite easy, but i can understand if some people struggle with it. Thats why i like difficulty modes a lot. The only problem i see is, that the base difficulty is used to for the higher difficulties like honor and tactician. BG3 had that issue, where the base game was made so easy that even if you globally scaled up their stats for the higher difficulty it wasnt enough. I mean it makes sense to not go over every single fight and change it up from a economic perspective, so the legendary actions were only reserved for bigger fights.
To add one thing to the surfaces, i really hope that no damage type gets to just double their damage, like it was in BG3 with making enemies wet. Divnities system of just reducing the resitances by like 20% was a lot better and it wasn't just for lightning and water skills. Same with items like the resonance stone.
Last edited by Stray; 1 hour ago.