I personally agree that you don't need all the skills. Especially since jack of all trades fills in the gaps if you do want a bard.
I think you should just play the class and character you like and enjoy the story without focusing on getting even a majority of the skills.
Selecting a background that has a charisma skill is as far as I would suggest considering if you are worried about conversations. You don't have to base your entire build around skills.
I got a bit shoehorned into the cleric/ranger/bard10 build because I want guidance and a familiar, but I wont be focusing on dex or int skills, which gives me more freedom to build based on RP.
When I was coming up with the build though, I realized that it was the one that could hit 18 the easiest. I probably wont be specifically a wood elf nor take the skilled feat or sleight of hand from ranger. Nor do I think I'll be knowledge domain. Even then, I still have 11 skills, which is plenty.
Pick any two of rogue, lore bard, ranger and you have enough skills that I would call your character a skill monkey, just not the ultimate one.
I was planning a warlock or sorcerer initially but I want dark urge first playthrough, and I feel like for the Dark Urge with the connection to Bhaal it absolutely has to be a Rogue Assassin. Now obviously a lower charisma impacts some of the rolls but I don't plan to dump charisma either...probably getting it to 14 is the target here for the sake of compensating for not being a primary charisma class. But the extra proficiencies and expertise make up for that. One potential issue is wisdom saving throws are a major thing in the game but I can get proficiency for wisdom saving throws from a helmet found in act 1. For the rogue I plan I can probably go 12 or even 10 in INT because I don't plan to go into spellcasting at all with my rogue. I rather put a couple extra points in charisma or wisdom for the sake of those very common charisma and wisdom checks.
