I'm on hard using just the npcs and I'm not having any trouble. The ogre boss in Endless and the Fampyre guy were hard, but other than that it's pretty simple. I think Cipher turns most things easy though, because I can basically hit every mob on the screen for 100+ damage for free at the start of the fight, and now that the wizard has AE Confuse and I have two tanks(Eder and Pel) mowing things down with the back line is pretty easy. Only level 8 though.
One thing that kind of sucks is that I am waiting til I find a great weapon to pick my specialty, but I haven't fount a great 2her yet. I've got a fast staff that's okay, Justice from Raedric, this blizzard sword I bought from Crucible Keep that does on piercing damage, but none of them seem significantly better than the others. Meanwhile I've found three or four really disgusting 1h weapons and no good arbalests or shotguns.
I kind of wish I'd saved Cipher for PoTD and done my first run with a barb or something.