It already makes Lore Bards nerfed to hell. In the TTRPG, you get to decide to use Cutting Words after you know what the enemy rolled on an attack roll or saving throw, meaning you want to save it for rolls where an enemy succeeds, but by just enough so that reducing it by a d6 might make them fail. So in this game you will NEVER use Cutting Words, because you don't want to use it on an enemy who rolled a 2 anyway, and it costs a use of Bardic Inspiration which you only get to use as many times per day as your CHA modifier (not a whole lot).
Lore Bards in BG3 are plenty strong. Reducing one enemy roll by d6 is often weaker than reducing all attack, damage and ability rolls for entire enemy turn. Larian removed the saving throw part from Cutting Words, so you can't team it up with a save or suck spell, because they probably realized it made it way to strong.
But PALADINS will really get the short end of the stick here. The reason you would play a Paladin vs a Cleric is probably for the Divine Smite feature, which you use by expending a spell slot. Like Cutting Words, in the TTRPG you get to decide if you want to use it after you see your roll, so you really want to save your meager spell slots for crits (Paladins are half-casters, unlike Clerics) so you can deal as much damage as possible. So by making players decide beforehand whether to use a smite, it basically turns the one major feature of Paladins into a worse version of Sneak Attack. You can't use it nearly as many times as Sneak Attack, and whenever you do use it, you sacrifice one of your few spell uses. It's a really, really raw deal.
Lack of crit fishing doesn't really affect Paladin as much as you imply in terms of their power. Saving for random crits, while looks good on theory-crafted DPR, it really isn't that good in actual play. If you want to kill something as quickly as possible, you would just expend spell slots whether you crit or not. And if Larian implements it as an attack action you still can pair it with Incapacitated to guarantee the highest burst. Besides no crit fishing actually makes Paladin more interesting class to play rather than just a single gimmick Fighter.
While I'm all for implementing reactions in BG3, the exaggeration used to argument for it is not helpful.
