I fully agree and have added this to the bullet.
I loved the old school isometric, turn-based RPGs ("Infinity engine" games) back in the day but the one place where their design really suffered was much the same as here. It was very possible to level up characters early on, when you had little clue what you were doing, and eventually hit a wall where your characters had no hope of progressing. I think the worst offender was Arcanum. I loved that game but I swear there was only one way your could build your character at the outset or else you couldn't get past the first two battles.