This has nothing to do with builds. Fate, the game I said I'd play, doesn't really have builds.
This is all about not wanting to have to spend a lot of time arguing with people, or playing a game I don't like. Those are the two most likely outcomes. People will propose bad rules, and we either argue or I suck it up. There are so many common ideas in RPGs that I really don't enjoy, but are popular nonetheless. I don't want to stop the game and argue that "save or die" kind of sucks, and if we kill Alex's character now like that a. they're probably going to be unhappy just look at their face and b. what are they going to do the rest of the night?
(Or I'll propose rules that won't achieve the desired goals very well, because I'm also not such a good designer I can nail things on the first try)
Maybe with some hypothetical spherical frictionless group of players that are all on the same page about rules and design it would be fun. But that doesn't seem to exist in the real world. We live in a world where people go "Let's use D&D for a game of political intrigue! Wait, why does the fighter barely have anything to do and gets bad results on every check he does make? Why weren't they scared when the antagonist pulled a knife on them??"