Speaking of minor compromises to decrease frequency of prompts, talking with a friend made me think that I probably wouldn't mind too much if some reactions were triggered only under the condition of their impact being meaningful.
Example: Shield. Instead of being prompted to use it as soon as targeted by an attack, being prompted only when that +5 to AC would save you from the attack roll that enemy just made.
Not a MASSIVE difference all things considered, but hey.
That's how it works in Solasta and tabletop**, so hopefully that's how such a prompt would be implemented in BG3.
**Technically the trigger is "when you're hit by an attack," but most DMs in my experience call out the to-hit roll, e.g., asking "Does a 21 hit?", so the players always knows whether Shield would prevent said attack.