Another thing the difficulty level changes is how often you get skill increases. I once started a party on normal by accident (after my very first game). I realized it in the swamp when most of my important skills already aproached 100.
I don't think 'expert' without ironman is hard for experienced players. Except the start, mainly arnika road, if you don't have pure spellcasters (since your melee guys - especially hybrids- are still very weak at this point)
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