I never min-max it's far too much work and I don't consider myself an expert level player.

My pally gets the fire spells from her subclass. She still has a limited number of spells so doesn't stand hurling spells.
My sorcerer can indeed stand in the front line and without using dodge. Granted it's not every fight and not indefinitely but it's nowhere near as disastrous as it used to be.
If the magic items, and there aren't that many, are available I would be a fool to ignore them.
But as far as BG3 goes you may well be correct.

Even a bog standard classic foursome requires some planning and thought.