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Okay, so I have an update for you. After doing a test run with other classes, I decided to just restart from the beginning with the balanced team, keeping notes of the entire experience. I kept notes on things like when I did fixed or random encounters, how those encounters played out, when I would return to heal, when I acquired and equipped new equipment, etc. I can share these notes with you if you want, but I'm going to list conclusions I can draw up from this anyway. Should you want the notes, keep in mind  that with fixed fights, you wouldn't always be able to know what fight I was talking about.

Ok, so the first thing I noticed was how much the damage jumps from the subway to the hospital. Going purely by basic enemies, I was only taking 3 to 7 damage while in the Subway. By contrast, the starting range I saw in the hospital was 9 to 22 before crits; effectively three times the damage. Obviously this lowers as you acquire more defensive gear, but jumping to triple the damage from before is a lot when the player's defensive stats have only gone up by 5 points while HP has only increased by 8 to 15 points depending on the who it is. For three of the five units, that high end is more than half of their HP. While it's not half for Monica, Monica's skills see her harm herself so a single Dispatch would make it more than half her HP. Regardless, three enemies all hitting that top range on a single target will kill them. It feels like this damage should be what you get when you hit the second part of the hospital (assuming you've not gotten any defensive gear equipped) but not the first part. I could see 6 to 18 being the first part; still possible for three enemies hitting one target for that high end to take out someone, but that's now only going to be your back row mages rather than everyone. To go even further on this, some of the stronger enemies (like the bed and those found in the second area) can nearly one-shot Jomi and Simon without crits. They are guaranteed kills if they crit. Later on when players have stronger defenses, the biggest issue then becomes how large the enemy packs are. Packs in the last area can get up to 8 enemies, with many of them including 3+ Ossipedes (which I think are the deadliest enemy you encounter prior to the third area, simply due to how often they attack and their ability to skip turns. The bed is a close runner-up, but the beds are only fought in fixed fights before the third area and other than the one that traps you in the Emergency Ward, you typically have stronger defenses by the time you fight them. Also the only skill that makes them dangerous is Rampage, which as I said can nearly one-shot Jomi and Simon without critting, but this is mitigated by the time you get to the third area)

Next was the miss rate and just how bad it is. You said that using a skill is supposed to be +20% accuracy. With a planned miss rate of 25%, that means a skill should only miss 5% of the time (assuming you're viewing that +20% as adding flatly onto the 75% hit chance). In such a situation, an accuracy buff of 20 should entirely remove the miss rate for skills. This is flat out NOT what happens. I have seen multiple misses from skills when I had an accuracy buff and no debuffs. So there is a VERY big problem with the miss rate as it's not operating as intended.

The next problem I noticed was MP usage. While it improves over time, it starts off being VERY rough. As the primary caster, Jomi goes into the Hospital with enough MP to Detonate 5 times.  This wasn't that bad in the subway, where a non-resisted Detonate would kill any normal enemy, but in the Hospital's first area it can't do this even if you accessorize her for Magic Attack. You need to be level 3 and have at least an additional +10 Magic Attack from gear compared to the starter gear before she can, I think. I assume this because I know level 3 and +6 Magic (from accessories) doesn't do it. So basically, Jomi gets five turns to do damage and then she has nothing (her other skill is more useful on enemies that will live long enough, such as the bed enemy and bosses). That's, at best, 2.5 fights. Funny enough, this was about how often I could survive before I needed to run back and heal due to general damage also being done. While I focused primarily on Jomi for this, MP is an issue for everyone. It's just most noticeable for Jomi.

This brings me to the last issue: buffs and debuffs. Most of the time, enemies will strike first and often will use skills that reduce accuracy, skip someone's next turn or puts a row of people to sleep. All three of these effects can be rough, especially if done first turn. Heck, I had a fight that involved three Conservators where literally each round, one of them would use sleep. Every time, Monica was put to sleep at full duration and Mila or Alis would be put to sleep with 2 turns. Being constantly slammed with debuffs, especially the sleep one, just drags the fights out. Meanwhile, there are a lot of times where certain buffs don't seem to work. For example, Mila's Guardian. I've had times where more than 40% of all attacks made while Guardian is up go to targets besides Mila (and Monica does NOT have the debuff that makes her become an increased target, which I also feel is just something that shouldn't be a thing given she already lowers her defense by 20). At minimum, those in the back row should never be targets if Guardian is active. Also, it's just dumb that if Monica uses Dispatch and misses, she still takes the damage. I'd argue that shouldn't be a thing.

I would list the speed of which enemies get to attack being a problem, especially for the Ossipedes who happen to have a skill that causes a Sip effect, but I have this feeling that that's not going to change.

In terms of RM, it basically worked out to break even; by the time I was fighting the final boss, I had just finished getting full equipment (so long as I made the effort to minimize my return trips and to try and get everything). So in terms of RM, that grind doesn't need to be changed.

So really, the biggest improvements that can be made are to fix the miss rate (I'd argue for an 80% chance to hit before buffs, debuffs and skills are factored in), to lower the damage of enemies found in the Emergency Ward to make them more manageable, to make adjustments to the MP cost of skills (rather than just giving more MP, because given other skills you get later on I think this is more balanced), to improve the chance that monster debuffs are resisted (especially AOE ones) and to improve certain buffs so that they're more effective. I won't say all of these changes should be done. These are just the biggest ones that can be made. At minimum, I'd say that three should be done: the miss rate should be fixed, the damage from enemies in the Ward should be a bit weaker (If they don't already, why not have enemies have their own levels, with the levels going up in each area. That way, you can tune the enemies for each area and thus keep the first area weaker while still making those same enemies a threat when they appear in the second and third areas) and one of the other things should also be done.