Right, skills always hit, normal attacks have a chance to miss or get blocked. If you're having trouble hitting things that are your level (or even 2-3 levels higher), it usually means your primary stat isn't high enough, so your offensive rating isn't high enough. Bless can also be handy, esp. for bows.

The game gets easier after Cyseal, but that's a combination of learning how to play better and your characters/gear getting better. You can still die pretty easily on Hard if you just run in and act like a buffoon. I'd appreciate a harder difficulty that didn't just rely on pumping enemy stats and lowering yours, but we'll see what Larian is planning...