Reasoning is quite simple:
Every companion have two roles ... story and combat ...
And while i kinda like loosing story aspects for my decisions, bcs that are consequences, and the heavier consequences, the more impactfull my decisions feel ...
I dont really like the combat aspect ... bcs when you loose Fighter zhere is nothing positive about it ... and the worse part is that Fighter can only be properly replaced by another Fighter. :-/
yes, you make the point.
moreover, i do hope the suitable choices can lead us to the true ending(grey path or good path), but the horrible choices can lead our player character receives the bad(ruin) ending(evil natual or evil chaos path) not only the ruin of toril but also the ruin of our player character himself/herself.
i suppose there are "bonus points" and "penalty points".
our essential choices will gain the points, if we gain enough bonus points then the path of true ending will be opened, on the contrary if we gain enough penalty points then the path of the ruin ending will be opened.