Haha mondblut has issues, or he is trolling you guys with great efficiency.
If the discussion started with BG2, stick to it because any other examples will just be irrelevant and make you look crazy. Game difficulty, encounters' placement, combat style, game balance, etc. all contributes towards the viability of having a full party human-controlled. Bringing in extreme analogies from a totally different genre like Warlords (never played it) or Civ is why I wonder if he is trolling.
Mondblut, if I create 6 characters in BG2 with the same stats or lower potential strength (not the stat, just overall) of NPCs I could otherwise get, what do you call that? LARPing? Cheating? Exploiting? I think you are just imposing your powergaming mentality on everyone else and expect nothing less than the aim of thorough rape of mechanics when considering alternative playmodes other people prefer.
If trolling, gj.