The game is much easier at low levels.
If you use the bonus abilities it isn't. It's true that it is very easy though if you get some good magic.

But wasn't it pretty boring to run from almost all random battles?
You just get Encounter-none fairly quickly.

LoL, and here I am, on disk 4 on level 99, with max stats. . . I'm such a chump.
Did you max luck, because unless you have a pocketstation it is a huge pain. (unless you mean maxed stats with junctioned magic.)