I think it suits Larian's philosophy of rolling with the punches - you don't need to succeed every check to experience the story. So for me that isn't a big issue if you like to just role play the characters. Tough sometimes it would be nice if the talking character could ask the teams experts on a subject (doesn't need to be an option of the party members are too far away). If you like to min-max and have the best stats in every situation its a different story.
A bigger issue for me is that the whole thing isn't designed with your MC as main character and the others as NPC that chirp in and comment. I don't remember that happening during conversations just in the usual 'xxx approves/disapproves'.
