mrcrispy83: Honestly the difficulty of SMT games tend to get overrated, to make people feel better about themselves for playing a "hard" niche series. You just have to actually use magic and stuff like buffs and debuffs and such instead of just mashing attack. Like in Devil Survivor, it's not really hard, it's just that physical mc/party builds are absolutely terrible (because there's only enough skills to make one good physical attacker, and you already have a physical oriented character in your party for most of the game) and grinding is pretty much pointless so you can't use it to fix your mistakes.
Most of the difficulty is in the final bosses and optional bosses some of which can get pretty cheap, like the Demifiend which basically has only one viable strategy and still kinda sorta heavily luck based. But the difficulty level in say P1 and 2 (at least the first part anyway) is considered to be pretty trivial even if you jack up the difficulty, and the only things that can really kill you can kill you on pretty much any difficulty. P3, most of the game is trivial but the Tartarus bosses have a tendency to be random spikes and ebbs, and pretty much all the difficulty is from being forced to rely on shitty AI that doesn't even work properly and the inability to customize your party members. Thankfully P4 has a more even difficulty throughout.
I found a lot of my problems with Persona 4 were, the beginning dungeons until you develop a few party members, and trying not to get distracted. I call it difficult because even the non-boss battles can be dangerous if you do something stupid (or they sometimes just get lucky shots). and compared to the rest of it's genre it will punish you for thinking you can get away with anything.
I find that once you start planning on how you're going to end up and how you're going to get there, then you really don't have any actual problems with the game.
@link 6616: I actually haven't played through P3P, but I think the biggest help for me was the fact that you can control your entire party in P4, which is a godsend to me because you don't have to worry about compensating for a dumb mistake by the game.