Wow, talk about unbalanced. The game's ridiculously easy to begin with, I can't imagine what it would be like with maxed out stats and loot. Everyone who says Mass Effect is easy alters their tune when they face a Krogan on Insanity
Picture something as unstoppable as Grond, from LotR : Return of the King. But then with a big fucking assault rifle. And biotics. And invulnerability.
Creston