Thank you Swen, for this detailed reply.
But one thing still bothers me.
It is nice to have the oportunity to interact with all party members with other npcs, but it must be a choice, always.
That is not the case for the dialogues that are triggerd automaticly. The game always selects the nearest group member who has to do the talking in this situations. So I'm mostly forced to do this dialogue not with my hero. Maybe the avatar flag should also cause that automatic dialogues are always started with the avatar.
This is really important to me.
Because, when I create my own character, I want to play the game with him as much as possible.
This is one of my two biggest concerns at this time, besides the narrative disadvantage of a custom character. (but that is another topic)