head to head
Neither is simply harder - they are hard in different places. Baldur's Gate 3 demands more optimization; Hand of Fate demands more execution.

Optimization · Systems & Chaos
A D&D CRPG where build optimization and dice variance dominate every encounter.

Variance · Systems & Chaos
A card-driven adventure where real-time combat execution meets tabletop-style encounter variance.
Baldur's Gate 3 leans Optimization (Systems & Chaos); Hand of Fate leans Variance (Systems & Chaos).
Hand of Fate leans clearly harder on execution.
Baldur's Gate 3
Turn-based; no input dexterity.
Hand of Fate
Arkham-style real-time combat requires dodge timing and blocking
Baldur's Gate 3 leans a little harder on reads, though the gap is small.
Baldur's Gate 3
Companions/enemies scripted, not adaptive to player modeling.
Hand of Fate
The Dealer is scripted; encounters don't adapt to your style
Same score on variance - which means the number cannot separate them. The difference is in what each one asks of you.
Baldur's Gate 3
Dice rolls, hidden checks, encounter RNG everywhere.
Hand of Fate
Card table randomness and hidden encounter outcomes drive runs
Baldur's Gate 3 leans clearly harder on optimization.
Baldur's Gate 3
Builds, party comp, action economy fully solvable.
Hand of Fate
Equipment synergies and card selection offer meaningful build planning
A matching score does not mean a matching test. Two games can both sit at 10 on execution and demand completely different things of you - which is why the reasoning above matters more than the number beside it.