That balance is everything, honestly. The whole appeal of a scholar-type with a system is watching a mind built for study and logic wrestle with an interface designed for combat and dominance.
I've seen stories where the character leans too heavily on the system's power-ups and loses what makes them a scholar; they just become another OP protagonist with a fancy UI. The best ones treat the system like a new, chaotic library to master. Their progression isn't just about leveling stats, but about using the system's own rules against it, finding loopholes the designers never intended.
It creates a fascinating internal conflict. Their drive for pure knowledge clashes with the system's blunt demand for survival and victory. I'm reminded of characters who spend their 'skill points' on obscure linguistic decryption instead of a fireball spell, then use that to read ancient threat warnings everyone else ignored. The power struggle isn't just with external enemies, it's with the very tool granting them power, a constant negotiation between intellect and force.
That tension is what defines the subgenre for me. Without it, you might as well just have a warrior.