Discerning between to me and for me?

Question

It is difficult to me.

It is difficult for me.

Would you tell me when/ where you would rather use them?

Answer 1

I know you want to play the violin, but it seems difficult to me.

which indicates an impression or opinion of being difficult.

I don't think you would say It is difficult to me by itself.

It is difficult for me to understand what you are saying.

which indicates actual difficulty.