The Crimson Binome
Hero
Your example seems backward to me. The bard isn't making any obvious mistakes, the way that the fighter is. I mean, your health isn't exactly something you can control, and they're making the smart move by going into a support role that doesn't involve front-line combat. You can't exactly blame the character for not being born a dwarf, after all.Example 1 is clearly not a problem. Example 2 is problematic. But it's not a binary "perfect vs horrible" situation. I don't think every character has to be fully optimized. I think it's ok to take a character with a race that isn't great for his or her class. But there comes a point where the character design is so inferior it gets to be a problem.
To contrast, the fighter is choosing the objectively inferior weapon for her fighting style, because... sentimental value? She basically sounds like the guy who uses a katana because he thinks it's cool, which is always a good way of identifying someone who has no idea what they're doing.