For me, it is much much harder because the level of MDM they want is higher. Contrary to what your understanding is, they actually expect you to use level 5 LESS not more with these changes. It is much easier to meet requirements for level 4, but the bar for level 5 is higher. The bar is higher than it was. My patients are complex, but I don't always talk to collateral, or connect with other physicians on the same day, and most of these patients don't meet the "severe exacerbation" or "threat to bodily function" severity, and I'm infrequently dealing with drug therapy "with intensive monitoring for toxicity" or hospitalizing people.
Depending on the setting I usually bill on time to capture things, but if I'm billing insurance I do E&M + psychotherapy since I won't reimbursed for 99417 (or at least not the large number I would put).