It's a poor comparison, though. You have a party of six characters under your full control in this type of game. Forget bad builds, even if you completely refuse to use your character you're still only losing 1/6th of your party's potential power.
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I've said before, I believe this is why folks on this forum really like these new single-character RPGs like AoD and Underrail. Every difference in your character build is something you really feel, because that's all you've got. You'll never get that "omg, I created a different character and combat is entirely different now!" feel in a party-based RPG, that's just not how these games work.
(This may also explain the popularity of those BG2 mage duels. What BG2 does in effect is collapse the Baldur's Gate gameplay from a party-based RPG down to a single character RPG where every decision you make on how to configure one single character (your mage) has a powerful impact. If he has the right spell, you live. If he doesn't, you die.)