No disagreement here.

I realized when reading one of the other comments that my similarly sized complaint is it creates a lot of potential for problems at the game level as well as narrative when people make their characters in isolation. I kind of assumed that comes packaged with "and you all meet in a tavern".

Like, everyone makes a fighter and shows up to session 1. The dm's going to have a head scratcher thinking about balance, and some players might be annoyed they don't really have a niche of their own. A weird party like that can work, but it'll be a happier experience if folks talk about it ahead of time.