I feel difficulty setting just makes things unneededly complicated for me
like i like some parts of gameplay in challenging way but i don't really want all of it to be challenging at once or all of it to be easy at once
i think lot challenges is good way to go about it because that way you can choose the challenges you are interested in having and for specific household rather than every household
we could also have personal challenges for our sims to be added in cas separate from sims traits and some that are possible to improve on