Something to be said about the setup in Wasteland 2 is that even though you do create 4 characters (or use the stock characters provided for you,) you still have to make some tough choices. There's just too many skills to spread around, even with a party of 4 and the recruits you can add later. You sort of have to choose which skills each character is going to specialize in and divide them up between the party, and even then there's really never quite enough skill points to go around.
In my experience, my first attempt at the game I tried to get it so that between my party I had all the skills covered, but this spread me too thin. Trying to cover all the bases meant I was often just short of the skill levels I'd need for what I wanted to try to do. So I started over and tried to be more selective - I pretty much had to drop some skills off my party's list so that I could specialize in a couple of the skills that were most important to me. This meant, for example, maybe I wasn't disarming all the alarms I'd come across, or charming all the animals I encountered, but the nice thing about the level design is that you just find another way to accomplish things.
And that's just skills - you can try to give everyone really high Intelligence so that you get more skill points per level, but then you're gimping yourself in other ways. Either your party moves to slow as a group in combat, or you don't act quick enough, or you don't have the AP to do very much once you do get a combat round.
In essence, the game is set up so that you need to have a varied party that each have their own strengths and weaknesses - and even your party as a whole is going to have it's own "personality" and quirks, just due to which skills you're focusing on and which ones you have to leave by the wayside or hope another recruit can fill. And even then once you think you have everything balanced, you have to keep those guys alive or you're almost back to square one. I've had instances where my "tracker" that I used to spot hidden traps and avoid encounters died and then I had to totally change my approach since I didn't have anyone readily available to fill in for that character.
Everyone's got their preferences, but I rather liked that system (I equally enjoy party-based and solo-character games, though.) There was a kind of elegance to their ruleset, I thought - I think it's a good sign when there's no "right" way to advance or build your party and you're always wishing you had just a couple more points to spend in things. It's kind of impossible to create the "perfect" party or the perfect character - you just will never have the skill points available to do so. You're always going to come up short from the "perfect" setup.