Firstly, I tend to not be a min/maxer and more go for what will be fun/role play stuff. That being said, I still get totally paralyzed by choice! PART of me does sometimes lean toward min/maxing.
I just re-spec'd my level 5 Bard like 4 times (kept re-loading and starting over). Firstly I decided I liked College of Lore better than College of Valor (which is what I had taken initially). Then I realized that by doing that I would get Intimidation so I shouldn't have taken it as a starting skill. I also decided to even out my stats by lowering Int and Wis so I could raise strength and not have a -1, which I wasn't I wanted to but decided I'd rather have 3 no bonus skills instead of a +1 and a -1.
Choosing cantrips and spells is also agonizing for me! Some seem SO niche that they feel like a waste, but then again maybe I'm not seeing how useful they will be!
While I'm having a BLAST with this game I've also realized I'm quite bad at it, lol. I noticed that Wyll had a skill which gave him a better AC if he was wearing no armor and yet I had him wearing armor the whole time. When I initially created my bard I was confused that I already had Performance and yet it was available as a skill I could take too. Same with some of the others where they already have proficiency with certain armors and yet they can still take the skill to gain that proficiency. Does doubling up like that give MORE bonuses or something?
I finally settled on a Bard respec I *think* I like so we will see but now I'm tempted to respec ALL the NPCs, and yet all those decisions is ALSO daunting. I'm overwhelmed by choices but that's also a good problem to have in some ways. This is definitely one of my favorite games I've ever played.
Oh yeah, and then there's the whole "To Illithid power or not." Again part of me is like "If not you're just missing out on cool powers" but the roleplay streak in me is like "No way. That feels like a thing I WOULD NOT DO. I ain't collaborating with this brain parasite!"
I'm not sure what I'm looking for with this post. I don't know if there's any advice that can really help, though feel free if something comes to mind. Just thinking out loud I suppose!