Respec sucks. If nothing you do and pick has a consequence, you might as well build sand castles in a sandbox. Not gonna use it though, case solved. With that said, BG3 doesn't provide the tools in-game for longterm planning of a character. You'd need to do it all meta. Whereas both Pathfinder games show what's available to you eventually.
Speaking about working around companions you are given: Khalid in BG1 is a fighter with a 15 in strength. That sounds reasonably, until you took a peek in the manual and realized that in terms of (melee) combat, a) the dude gets absolutely no bonus whatsoever (only from strength 16 upwards he would). And b) isn't any better as a figher with strength 8, as (A)D&D 2e had weird dead ranges where nothing much at all would happen in terms of bonus applied. Was still playable mind.
Larian's companions already ship with the max key (starting) stat possible for their class as a default.
