Playing D&D with someone else's character is not playing D&D. There has to be player agency in the character creation for an RPG to qualify as a D&D experience, and the character has to be integrated in the plot and the setting for said game to qualify as a remotely decent RPG. And if a developer cannot manage this then said developer probably should not be trying to make D&D RPGs.
It's not easy to make it all work but that's why a few games stand out and most are forgotten. Larian made the choice to have a go at Baldur's Gate and to me it is entirely unreasonable to cut them any slack just because they decided to do a difficult project. If they realise that they can't do it properly and need to reign in the difficulties then that's fine too, of course, but then the title just doesn't fit anymore.
