What do you mean by ‘living standard’ ?

Nice! I’m not too far off that, but I have a touch of experience with DnD and played the first Divinity game for a few hours (before losing interest). REALLY enjoying BG3 so far. It’s miles beyond that first game, which was a bit jenky and not as well written.

Save scumming required? no not at all. It’s a DnD style game, so the way the quests play out will change but barring a full party wipe you shouldn’t need to reload much. But do I save scum to get better roles so I can loot the chest? absolutely.