Suggestion 1: +100 and even more backgrounds like Faction Agent (Zhentarim) etc. pp. would be awesome.

Suggestion 4: Yes, a custom party creator with saveable builds, as in the predecessors, was often suggested in the past, but was apparently not well received by the team. It was apparently feared that the Companions would then be played less... I don't want to dash your hopes, but this kind of request was considered and implemented with half-heartedness and as much as I hope I am wrong, I no longer believe that much will happen. I also did never understand that race-lock by hirelings...