I'll do a proper review myself once I fully finish the game, but your post hit many of my grievance points well enough.
Ultimately, I enjoy the game. And while the flaws become more apparent the longer I play - and especially so when I feel both interest in Act 3, but also like I'm forcing myself through it at times - I would still cite it as being probably in my top 5 cRPGs for now, and just like DOS2, I can enjoy it despite the flaws.
But that said, I've always had a complicated outlook on Larian as a studio, and their games as a result. I do feel they vastly improved BG3 since EA, at least - heck, EA turned me off of it entirely, as I only enjoyed it when playing with a friend, but had so many issues with the way it wrote itself and how... not Baldur's Gate it felt. I do at least feel like it can carry the Baldur's Gate name now, even if not perfectly - but as much as I love BG1 and 2, they weren't perfect or entirely well-written start to finish, either.
But, despite being able to enjoy it, and feeling it better carries the franchise' legacy name now, I still ultimately feel the same complex sense of dissatisfaction with it as I do with all Larian games. And I'm going to swear up and down until the cows come home, that Owlcat would have been a much better company to give the D&D license and Baldur's Gate franchise to.
Hopefully I can finish soon, and maybe try to brain a proper review after.