Well, the difficulty depends on what level you hit each section...
For me, I tried to beat the Adventurere's Mart Inn party early (lvl , and got clobbered (10 reloads?). I had to wait until I got higher in level.
Without reading the boards, the demi-lich was tough. If you read the boards, it was EZ. I did it on my own and reloaded about 15 times before I got the right combo. But I also stay off the boards until I am almost done so I don't have the whole game ruined.
I'm sure the beholders in the Underdark would have been hard if I didn't have the reflecting cloak. Once I had that, I never had any problems with any battle again. That item should never have been put in this game, it is WAY imbalanced.
In the end, the "fear" beholders were a pain if you didn't take the nymph cloak.
The rogue stone dudes were also tough, but I was pretty powerful when I faced them.
For me, the demi-lich gets the nod.
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