I think it's great fun, but it is very punishing. I think intentionally, but still I think my current playthrough is pretty borked because of all the negative traits my top guys have. I'm thinking it might be best skipping a lot of the optional loot points that tend to have negative effects (especially the permanent kind) and relying mostly on chests+quest rewards. I'll definitely make sure to upgrade the cheapest stress-reduction places ASAP, since stress management is a major moneysink.
Also, I have no clue as to how I'm going to defeat the Swine Prince and his 100% stun resist and godly AoE damage. At one point he critted my entire team down to deathwatch level. I guess I'll have to stack other debuffs on him, but that will mean organizing a team around that (and I don't quite have that, since stun is the best debuff and the one I focused on).