as far as I can tell anything above daring is just inflated numbers for enemies and decreased for the player, why bother? RPGs dont test your skill just your knowledge and ability to exploit the game systems
doesn't test your skills, just (lists multiple skills)
Clearly you mean divination skills,since only with divination you could see which talents are working and broken thus you could make a build.
After first round of respecs, I just started waiting with lvlups until I'm about to enter a fight, and testing all the talents I just picked, then reloading and picking something else if they don't work.
Sure, you can't really plan a super specific build ahead of time, because half of the talents might not work and will need to be replaced, but tbh improvising and having to pick "best of the worst" options just because they actually work, can be kinda fun in its own way, I don't think any turn based game since KOTC gave me that much challenge, and I like it, since I tend to get immediately bored after I "solve" the game and find no more difficulty in fights.