It obviously rained the night before our hike and was a little slippery on some of the rocks. Yes, you have to cross the creek a few times but nothing major at the beginning. I would not consider it rock climbing at all. However, if you dare, the falls will provide you with an opportunity to rock climb or ice climb when it has frozen. I would consider it a moderate hike.
There are steps in places that some may find difficult. I wasn't really impressed with the summit. My five year old did it without any issues at all. I gave it three stars because I enjoyed it with my son.