I had the same overwhelming reaction to BG3's creation menu, but honestly, the game goes the mile to let you change everything later if you feel like it and honestly there's a "go with the flow" vibe by the fact that very few cases have instant game over conclusions.
I would say though that combat tends to be a measure twice and cut once because there's often an easy way of dealing with it, being either using the environment or exploring first another location that might give an advantage.