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Maybe you should google how to think for yourself, mother fucker
*I'm not talking about MMOs by the way, y'all don't wanna see my fully unhinged, 
- tier rant about that fundamentally misguided genre of WoW-clones
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I'm going through a terrible time and am feeling compelled to share my aggressive thoughts 
Meta-gaming is a fucking blight, death to America
One of the best things about most modern TTRPGs is that even the most broken meta build is just barely better than a total noob picking abilities at random, and what really makes players effective are their choices in game. D&D5/PF2 are the peak of that type of RPG/grid-based miniatures combat game, which is why the upcoming D&D6 just pokes at the edges and fixes a few annoying things rather than trying to be something totally new.
Yeah, trap builds as a game design "thing" basically shouldn't exist.
That said, I do have a soft spot for GURPS and Hero System et al. as well as tacticool games (and war games, which I prefer writing), but it's clear what you're getting into going in (if you give players the opportunity to build a bad army, how much are you going to stop them if those are the decisions you're supposed to be making)
Well GM engagement is supposed to be a big part of GURPS/HERO chargen, to make sure that nonfunctional or inappropriate characters dont happen unless part of the campaign tone is supposed to be having fun with that.
Yeah, I think that's generally the case (though not explicitly stated). Writing the basics of everyone's characters should be a group effort, with some amount of buy-in from each player for each character. The idea of 4 completely independently written characters coming on the same adventure is.... It feels archaic, like we're all playing weekly D&D with completely different people and everyone has different amounts of XP etc.