Same here. I was doing quite well up to that point as well (doing a decent amount of the sidequests to boot), but the Garuda effectively demolished my team. The prospect of going back and grinding isn't exactly tempting.
" @project343 said:" @Laketown: Been a while. Believe it was a temple guardian--guarding the entrance to a temple. I remember lots of sand, and oil platforms. Then giant firey bird. Characters were not built in such a way to handle it. Failsauced. "I quit at the same place. I wasn't really enjoying the game up to that point, though Tim Rogers' adoration of it has made me consider going back in. Unfortunately I don't own it anymore "
EDIT: Although looking at a guide now, it apparently helps if you blind it. Might have to go back and have another crack at it.