OP: If you feel that something is overpowered then you can simply not use that or level it up to something you are comfortable with. This isn't a multiplayer game, so terms like overpowered or exploit don't make any sense here. All that is required is a bit of self discipline.
Which makes no sense in an RPG.
I guess that if you yourself were living in a hostile land full of monsters, and someone approached you and said "Hello good sir/lady! We may live in harsh times, but fret not, you just have to study thi and train that a bit, and you will minimise any danger" you'd respond "Sorry, I prefer living dangerously

" Yeah? NO! So, why should my characters choose to live dangerously?