So from what I read here it seems much less of an issue if you already did sufficient research on the oaths, what they stand for, and what they stand against.
Unfortunately it’s not anywhere near that sophisticated. Basically, as long as your paladin doesn’t personally interact with a red object (ie one tagged as belonging to someone else) or strike the killing blow against an enemy that didn’t attack them first, you should be okay.
Other party members can be as criminal and murderous as you like, and your paladin can even join in with murderhoboing as long as they don’t strike a lethal blow with a physical attack. You can toggle on non-lethal blows for your paladin if you’re in any doubt, and have other party members deliver the coup de grace. There are some additional niggles and complexities, but that’s pretty much it as far as I can tell when it comes to potentially unexpected oathbreaking.
I agree with your point that it shouldn’t be like this. It feels like what we got in patch 9 was an initial proof of concept, one that, as far as I’m concerned, is a fantastic idea but needs more investment to actually work acceptably and live up to its potential.