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The best ‘class’ in Baldur’s Gate 3 is ‘barrelmancer’
(www.polygon.com)
Baldur’s Gate 3 is a story-rich, party-based RPG set in the universe of Dungeons & Dragons, where your choices shape a tale of fellowship and betrayal, survival and sacrifice, and the lure of absolute power. (Website)
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Oh yeah you 100% do miss out on loot. I'm doing this in my "Only one party member allowed" playthrough, and it's basically a necessity for killing most bosses if you only have one character at your disposal lol.