I had the exact same thoughts on this. Game progression is entirely dependent on having enough stats, and no skill. The only feasible way to progress through the game is by having enough bulk to survive against homing attacks, and then also having enough damage/CC to deal with the mobs before they deal too much damage to you. I invested about 25% of my status points into CON on my Wizard, and that brought me to about 12.5k HP at level 200. As a character with pretty much no evasion, this felt like the bare minimum I needed to survive in the current endgame content.
I’ve played around with a Swordsman just to see how things feel on a bulky character. High dexterity in a lot of Swordsman builds makes them multiple times tankier than a Wizard due to evasion. Swordsman has a much easier time when it comes to dealing with one of these mobs at a time. Thanks to their high natural bulk, it’s possible to just facetank the homing missles and kill the mob before it becomes an issue. However, as soon as there are multiple mobs with homing missiles, Swordsman starts to experience the same problems as other classes because they can’t deal with them fast enough.
I also had an experience where I got 1 shot by a level 31 Spion Archer that did over 1.2k damage to me, but that’s only because it uses Multi-shot/Spiral Arrow. It’s possible to deal with Spion Archers just by being high enough level to avoid taking extra damage due to level difference. This happened to me with a 9 level difference. It hit me 5-6 times with 200+ damage each hit. As soon as I gained a few levels, it suddenly started hitting 50’s.
Currently, almost every ranged/magic mob uses homing attacks, and the only way to deal with it is to bulk up your character. Although this frustrates me as it is, nothing is going to change, so it’s probably best to just plan around this fact.