Yes to fully comprehend God’s love for his creatures is beyond human thinking and so we try to approximate it.
You asked: “I’m not sure what you mean by needing it?”
Grace is necessary for salvation and is supernatural, however each person’s life is unique and so has different temptations against which grace is used. I am not referring to good health, since you asked about that also.
Life is still a gift, because through our free will we can find eternal life in glory, regardless of unequal burden of pain and misery. In glory of heaven there is not equality, for some have greater glory due to greater merit.
When discussing that which is not desired by people it is usually termed
evil and falls into three categories shown below:
- metaphysical evil (so called) - “the limitation by one another of various component parts of the natural world”
- moral evil - “the deviation of human volition from the prescriptions of the moral order and the action which results from that deviation”
- physical evil - “all that causes harm to man, whether by bodily injury, by thwarting his natural desires, or by preventing the full development of his powers, either in the order of nature directly, or through the various social conditions under which mankind naturally exists.”
“Christian philosophy has, like the Hebrew, uniformly attributed moral and physical evil to the action of created free will.”
Reference: Sharpe, A. (1909). Evil. In The Catholic Encyclopedia. New York: Robert Appleton Company.
http://www.newadvent.org/cathen/05649a.htm