I generally tend to create a character, and then fill the party accordingly. Of course, at the moment in BG3 we don't have much of a choice.
As to skill checks and such - I much prefer if RPG only talke our protagonist into account. Companions can contribue (like in PoE2) but overall it should strength and limitations of our PC that determine what is available to us. If we can cover all bases through thorough party composition (like in Wasteland3 or D:OS2) then the whole idea of "create your character" becomes somewhat pointless IMO. While RPGs should allow for unique experiences based on our choices, I think the best RPGs also close and open unique ways to approach the problem due to our character builds.
BG3, of course, has the issue of being coop game as well - I think a coop dynamic is much different then singleplayer. It's a different feel to "I can't do it, but my friend can", then "I can do it, but have to leave the conversation, switch the character, go through the same dialogue and then do the check". It is of course super frustrating when game engages in conversation one of my underlings. I try to ignore my companions, outside of what they can contribue to my checks, but just like in D:OS2 there is temptation to metagame, and utilise all companions to the fullest - but at this point IMO game becomes more tedious and dull.
