I'm not sure if a one single bg3 discord server wouldn't be better. With some subsections where only certain guilds can post.

That way, players can see all listed guilds immediately, but also have access to a general chat.

Being in a guild is nice and all... but looking for players to get better match ups is going to be more important to almost anyone than guild loyalty.

Worst of all, the way coop is currently implemented sucks. Your "whoever picks an item up, gets it" policy is enough for me to lose interest permanently. I don't want to be in a team with people hording items they don't even use, and accusing me of drama when questioned.

Your policies don't address the massive gaps in playstyle that cause drama, such as:
-- loot goblins vs. quest completionists
-- voting for story decisions
-- anything related to taking companions along to farm approval.

If it's three players, you can only really get 1-2 characters up to very high approval. If that wasn't bad enough, only the leading character in the cutscene gets the approval.

"No drama" is not enough to stop drama from happening.

Additionally, even if you craft policies now, the game may look different on release. Optimally, someone could create a mod to enable better coop. This is the only way to really /enforce/ "no drama".

I believe Blackheifer is the most immersed in drama free coop here. If he's willing to aid you, he would know most what tends to go wrong on the regular.

As is, you may get taken advantage of. The most annoying players tend to behave badly and call people's reaction "drama".

Imagine someone splitting off from the group, making ALL the story decisions. Player 2 is busy stealing every book in the grove. You're trying to recruit Wyll. Player 1 tells you to leave him since he wants to romance Shadowheart.

Player 2 just spend all of the group's money on better armour. Don't worry, she'll get it back! Oh, no, she was caught stealing. Not to worry. Let's just reload the save from 2 minutes ago! Hahaha, maybe 5th time's the charm?

This is why I don't play coop...