It does bother me quite a bit how conversations are so one-on-one. I really appreciate the peanut gallery comments from my companions, but they're too few and far between. I would love if there was some way to make manual checks based on the dialogue but still totally dependent on the player understanding what types of check they might need.

E.g., I'm talking to an NPC as Tav, but the NPC mentions something which I pick up on as sounding religious (and my Tav isn't versed in religion). I should be able to make a religion check as whichever companion I want -- essentially, let the player role play for the whole group the same way an actual group of people would in DnD. The game is already meta-gaming for you in exactly this way, by performing, say, a religion check when my character probably wouldn't have picked up on any religious undertones, and now I'm wondering why my character suddenly knows about some obscure religious proverb or some such.

Yeah, I wish that would have been implemented. Maybe at a later update or a mod?