Lately, my build has come into its own, and I have enough skill points (18 int + decent number of rogue levels) to be useful for non-combat stuff as well, but boy is it rough early on if you are just using basic shop stuff (and don't know where the more out of the way, specialized shops are) and don't have buffs. Certain weapon types are much easier to find than others it feels, too, at least at higher end.
I think part of this may come down to just the luck of the draw with the random loot generation as well. I very rarely find something that's desirable in any way (I think my favorite failboat item was a weapon that had +2 int and -2 int on the same item). I wish there was an easier way to find or target finding things that were useful *to you*, as right now, making money without being able to mule or having a higher-level character that can help you out seems to mostly be finding stuff, selling it to Maltz for coin, and saving up for something. If I'm doing it wrong, I'd love to hear what I should be doing instead!
I don't mind the difficulty at all, but I've tried a few times to get friends of mine to play here, and they had such a rough time soloing at earlier levels (unfamiliarity with NWN building + not knowing many people) that it's hard to convince them to come back. The argument of "You'd have a real easy time grouping up though!" always gets a "I don't want to have to rely on other people if none are around at the time I'm logging in". I don't want to have to say "Here, just find a build on the forum/nwn2db!" because 90% of the fun of roleplaying is creating a character and their concept and running with it, evolving it based on RP. As opposed to planning a build from 1-30 before you even roll the character.
I love the server and I want others to love it the same as I do!