I find the combat just right. I'm playing in balanced mode (there's story mode, balanced mode and the mode you play if you hate yourself).
I find the combat super rewarding, I can think I'm about to lose but manage to pull it back by the skin of my teeth. It seems incredibly well balanced. Some fights really do have me on the edge of my seat.
There is surface effects but it's not as ingrained as it was in divinity series, sometimes creating and exploiting the right surface can give you the edge, but it's not always needed. Aoe sure helps but with the limited amount of casts and spell slots, it's something you save for when it will be most effective.
As for save scumming, they seemed to have covered a lot of bases, and failing might open a different story arc etc, so worth sticking at it even in the face of defeat. It strikes me as a game with a lot of replay ability because of this, though I find it hard not to reload if something doesn't go my way, it's definitely worth running with the consequences just to see what might happen. My character lost one of his eyes :(