After replaying the beginning a second time, I can say there is something I dislike...
First, playthrough: I played the nice guy, who doesn't kill or steal anybody. So I didn't have much money or equipment. I fought at level 2 or 3 the skeletons (yes, even after 4 hours spend in that town, lol). The game was for me between normal and hard difficulty.
Second playthrough: I decided to do the contrary of my first playthrough, just to try things and to my disappointment there is no penalties to be a bad guy. The game even encourages to steal because you gain experience to discover what're behind doors. You can destroy chests, the content won't be damaged. You can fireball a door for 10 mins, no NPC will stop you. Thief or lockpicking is useless for me at this point of the game. You can also reload your save to get better loot if you're not happy. You can kill people without your companions reacting. Stealing items helped me in my quests too.
I can confirm that my second playthrough has been more rewarding for my characters than my first pplaythrough because of all these free loots which gave me better equipments, for example. What's the problem ? There are not enough quests for rewards good players. Good players can get between 1K or 3K gold, but bad players get instead 10K gold with no penalties at all to steal all the homes of the village.
So, the roleplaying side of this game is not good at all (or is dead for me at the moment)
We are supposed to be the heroes who come to investigate a murder, but ultimately we can become ourselves murderers and thieves that the game will never care. Be a good guy, just make your life harder in this game. Mmorpg are usually bad example, but here their quest system would've not hurt to help out good players. No, playing this game as a person is just for mental sake to know that you've been a good boy but not a hereo.