Needing a talent for it on top of all the other imbalances between the two is a problem, though.

And as to your "boring" things...

1. It's your choice whether you save/load to optimize for items, you don't need to game the system like that.
2. Lucky charm is a problem for a co-op game in general, as Lucky Charm isn't party-wide it means only one person can loot to get the full benefits of it.
3. It's a roleplaying game, dialogue is part of it and it's a good thing that there are so many individual decicions for each character rather than assign everything to the "group".
4. It's your choice whether you save/load to try different dialogue options, you don't need to game the system like that.
5. I'm curious what you find boring about the combat, I personally really enjoy it assuming people don't cheese it. (barrelmancy, for example)
6. That's an issue with shapeshifting, the well rewarding each player isn't a bad thing in my opinion. But a limit of 4 would be good.
7. I agree that killing after quest rewards is encouraged to much. (and with slane it's a bug, also a spoiler)
8. Tons of money only if you put time and effort into it, and perhaps game the system, like you mention later.
9. I agree, enemies should be able to move object as well.
10. You prefer more actions per turn, then lone wolf is great. Lone Wolf is only OP because of all the multiplicative stacking which gets highlighted more the higher your stats get. You say you want more multiplicative scaling, but it's pretty OP.
11. Quests giving rewards to each of your characters is fine, but again, limit of 4 would be better.(or only counting the characters in your party at the time you completed it?)
12. I like that suggestion, I'd also like to be able to drag and drop items to another player's bags instead of having to right click and "Send to" when playing co-op.
13. I believe they were adding an option to no longer auto-add items to your hotbar, so that's getting fixed I think.
14. Yes tanks are not viable right now and provoke needs some serious buffs.
15. I haven't tried arena mode, so can't comment on that.

Overall though, a lot of your complaints come from gaming the system above and beyond what an average player would do. And many of the complaints are thing straight-out exploiting bugs like with Slane and the shapeshifting. "Savescumming" is another of your complaints, yet that is completely optional.