Bad gameplay..to you...To others...its a challenge...I have made tanky rogues, dextrous warriors in DA:O before. It can be done well and it has been done well before. Check the DA:O forums.
Also...about the upgrade your character part ? How much can we upgrade ? We can only just pick talents and specializations and do nothing else to our character personally. Everything else is reliant on other people.
What?
You want challenge? Then DAI is offering that in spades with its attrition combat system and highly increased difficulty curves. That's an actual challenge.
I totally understand gimping yourself for roleplaying. I'm currently playing a combat tweaks Nightmare Dead is Dead game with no healers on my party (Wynne dead, Morrigan not a healer). That's gimping myself using the constraints of the system + one mod.
DAI offers a different way to gimp yourself. Hell, a good example is allowing you to run a 4 mage party. Have fun with that on Nightmare.
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Also I fail to understand what you are asking for. You are so focused on leveling your character while forgetting that your character IS tied to other people, especially in a party-based massive game with a base and organization scheme.
They are giving you MORE options for the overarching development of your character, not less. There is no difference between developing your inquisitor and the Inquisition. None. At most it's how you perceive things.
You are saying this: "Upgrade my kitchen to contain a knife. Complain that I do not have a built-in knife in my mouth to cut steak".
Yes. That's what you're essentially saying.