But has that character vs player skill question fallen into their versus trap?
??
Like obviously these things are necessarily harmonious. The character doesn't exist and can't learn or make decisions. It's a UI for you. But you can't sword fight, romance dragons*, or throw bolts of lightning. So the character does.
There's a lot of things a PC might do better or worse than his player, as well as things the player can't do at all. The 18 CHA character can give a much better speech than the average nerd. The military veteran will have a firmer grasp of tactics. The thief know his way around the underworld, etc. The ranger & barbarian how to survive in the wild.
So, really, they're often at odds. Further, they're complicated by different levels of knowledge/ability/perceptions between the DM and player. A player may declare an action that he believes is a solid tactical move, the DM may decide it's 'stupid' and have it fail with dire consequences - one of them may have played a little Call of Duty, the other may not like to talk about his years in Seal Team 6 - and which one is which doesn't matter to the example.
And player skill is every bit as important as character skill pretty much all the time.
Player skill is fine, it's skill with the game, it's 'meta' - it shouldn't, IMHO, be substituting for the abilities of the character. If you're playing the Riddlemaster of Hed, you should be able to solve riddles, regardless of how good you are at solving the riddles your DM comes up with...
Circling that back around to saves though. The question "what's the point of them, since I don't decide anything?" is pretty good. While most of the game involves some combination of decision and mechanical resolution, saving throws don't.
Saves involve the same decision as attacks: Someone decides to use an offensive ability. Decision made. And there's a similar mechanical resolution: a d20 is rolled vs a DC, damage or other effects are applied.
And it might be interesting if they used your reaction.
Sure, it's not like there's any demand on your reaction from other abilities, certainly not to the extent that they fratricide eachother regularly...
...or like it would leave you defenseless against the Beholder's next 9 eye-beams or anything.
:|
Of course that would affect your approach to spell casting and enemy spell casters.
It would be a pretty substantial power-up, and a corresponding nerf to everything else that used a reaction.
"That guy used his reaction already, charm him!"
"If we're not careful we're gonna get fireballed."
A pair of cooperating casters would be a true horror.
* for lack of dragons, if nothing else.