Yes, I totally agree... the complete combination to unlock a lot of contents is actually:
Custom lizard with mystic, scholar, pet pal and tons of persuasion.
As far as I understand Act 2 and later so far, this combination opens the door to many, many quests.
It's the same problem as with "choice when it comes to your companions and their starting classes"... there is no real choice, either, because you can end up with multiple pet pal people or loremaster-experts this way if you're not carefully planning.
This is a real problem in act 1, because many party configurations are not viable because of this:
https://www.reddit.com/r/DivinityOriginalSin/comments/70h66r/dos2_default_classes_chart/I'm not even saying that the tags-requirement should be changed, but there should be a warning when you start with a character which doesn't have both (either Fane or a custom character).
The companion-presets, though, they should be replaced by showing the character creation screen on recruitment - this would make act 1 really great, because of the choices that would be possible. Right now only very few party setups are viable - and you have to see that you don't get to level 2 before recruitment (avoiding helping your fellow godwoken on the tutorial ship... which is, for me, a very sad thing to do).