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Question about difficulty settings
I just played through BG:EE and SoD on core difficulty using a chaotic good cleric and I'm currently working my way through BG2:EE. Once I wrap this game up, I plan to play through both games again as a neutral evil fighter. I'd like to play on a harder difficulty, but I'm not sure which one to pick. I plan on turning off the extra damage because it seems unfair and like it would probably just frustrate me. I also don't think I'll play on Legacy of Bhaal mode because the extra HP also sounds cheap.
So I'm split between hard and insane difficulty. I'd like to have a challenge, but I don't want things to be too crazy. I'm reasonably good at these games, but definitely not amazing. Plus, I've never played an evil character before and I'll be using an unfamiliar party.
Basically, I'm just interested in input on what to expect from the different difficulty settings so I can choose which one to play. Also, I'd like to know if playing on a harder difficulty raises the experience cap, gives higher experience rewards, or better loot. Any help would be appreciated.