How is using the game mechanics, "exploiting"? Do you want BG3 to be a JRPG where you load into a set battle arena?
Having to "use the game mechanics" like this is not fun. It breaks the immersion, it makes the game a bad rpg. You can do all things mentiond + loading to find the optimal approach - but it's in no way enjoyable to do. You can't fix bad game design with "using the mechanics". The game is supposed to be D&D, so let's make it so. Doing the above does in no way represent how an RPG should go (for you to beat the fights & advance the game).
