I would argue that diificulty factor is actually to adjust for the difficulty of the job. On a wide open new construction project with attics you can stand and walk in you should be able to run wiring at lightning speed. This should probably be your standard 100% difficulty. In a hundred year old house with lath and plaster walls you might expect that the difficulty would be greater. this is where you adjust the difficulty factor by phase. Running wiring will be more difficult than usual but installign electronics should not be so the Finish phase remains unaffected.
Here is where I throw out an idea for adjusting difficulty levels by product. It may or may not work for you. If the difficulty factor is uniform like 125%, 150%, etc. you could theoretically create new phases like RI-100, RI-125, RI-150, TR-100, TR-125, etc. then on an item by item basis you could change the labor phase to reflect the difficulty factor. The only place where this gets strange is running management reports like a Detailed Cost Summary or Project Hours. Now you will have additional phases...and of course on proposals if you show labor by phase on those reports.
You might consider something like this but use names like RI-A, RI-B, etc. to mask this from clients if it hits client reports. That is only in the case where you might have clients questioning the costs.
Just an idea...
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