Man Betrayal at Krondor was hard! I initially got it from a buddy - but liked it so much I got it myself (he was jealous mine was on CD.) I played that game for months and it just felt like I was never going to finish it - so I gave up
I must now add 2 more games to my list
Final Fantasy X-2 (FFXI is keeping me from ever getting more than 31 minutes on it)
Final Fantasy Crystal Chronicles (played through the tutorial - ever loaded again)