Why #2
Because it forces the player to actively choose vs accidentally just accepting whatever is pre-populated as default which you CAN NOT TAKE BACK
There was no problem with how this was done in BG1 and BG2, would much prefer it. New players that aren't familiar with all the nuances would be forced to have to either blindly accept defaults which is fine or they'd see the options and take the time to make an educated decision (which makes the game play much more enjoyable).
