Yeah, quick loot is casual af. In case of IWD it probably makes playthrough like 10h shorter.
Only if you're the kind of idiot that compulsively needs to pick up everything.
If you're suffering from from everyone's favorite complete developmental disorder then everything will make the game too easy. If you're not, then it can make game harder or even, god forbid and save us all, more fun.
For the vast majority of players, full party creation makes the game easier. BG has long tradition of power-gaming, not the opposite. I don't like built in degenerate features that make the game easier, even if they're optional. These include party arbitration, Max HPs on level up, 100% spell scribing and Max HPs on level up.
At least I know you're an EE shill and a degenerate now.