I'm only level 15 but i am having a lot of fun with this game, too. So far, i'm doing all the side missions i come across and compulsively tweaking out every little detail of my character that i can (i chose Maya). I'm finding some monotonous moments, though. Its annoying how fast monsters spawn from particular spots, in particular. Doing a quest or two and then logging out is actually a detriment since everything respawns when you start a new session, but i dont have 10 hours to play in a row so i'm finding that i do a lot of areas over again. Its stupid that monsters can just come out of houses that you, as a player, cant enter. So, one area might only look to have 4 or 5 bad guys, only to later have 10 more come out of artificial houses and that really takes time to move past.
The difficulty level is there. Even being overleveled (because i have to do areas over and over) i do die on occasion when i come across a mini boss or area that i'm not prepared for. However, its another annoyance to figure out what you have to do to some enemies. The Hyperion droids, for example, were kicking my ass since it took 10 sniper shots to kill them until i realized that you get criticals if you shoot off their arms. After that, i could kill them in two well placed sniper shots. A better game would allude to that with NPC dialogue or something, but this one was death by trial and error and frustration.