Echoing pretty much everything on your list.
I think the big takeaway is that it all shows great potential for improvement. Levelling system feels like it needs a lot of refining and perhaps even a straight redo later down the road as like you said, not all that fun grinding out for hours only to get a flat % in a skill. The economy for me at least is my biggest hurdle as whatever money I do make gets eaten away the same day by the crazy daily wages of my party and garrisons. Enterprises in particular feel underbaked. Would be nice to see a breakdown of how much they are spending on raw goods and selling back,just something for me to go "Aha. I see where I could be doing better."
And for me, my bandit camps have only had under 20 in them. Strange.