I'm not a fan of a potential character lock, and it's not fearmongering, it's what Larian has hinted at, so let's have a discussion about it.

I don't really see any upsides in having a character lock after Act 1, neither story- nor gameplay-wise. You just lock yourself out of potentially interesting content and learning more about a party member you maybe initially didn't even like. You could bring the argument that you could just start another playthrough and pick someone else but that wouldn't really be a compelling argument why the character lock is justified to begin with.