My preferred view system depends on how far out (up) you're allowed to zoom the camera. If the game allows a fairly high zoom-out level like Wasteland 3 for example, I don't mind having the camera locked to the currently active party member, because I can see enough of the area to know where I want to go next.
BG3 on the other hand, has a fairly tight camera view. I can't zoom out very far to see the available paths, so it's good to be able to pan around to a limited extent. It saves me having to march the party over to the edge of a seaside cliff just find there's nothing interesting over there.
There are other issues like scouting for enemies and seeing them where you shouldn't behind walls and closed doors. But that can be handled with good game design, like allowing a camera pan into the next room or outside area, but not showing enemies or loot until you have line of sight.
