It is until you get to particular bosses that abuse the damage multipliers really hard (big health+no weakness+immune to ailments=long fight with plenty of time to roll a lmaosupercrit and end you from full health)
Of course if you know what's coming you can pull out a couple of personas that null their big attacks and it doesn't matter, of course you're too low a level to get any phys immunes before Kamoshida so he's just a stupid diceroll as to whether you win or not, everything else, meh