That's the way we've played it since Basic days, in our games. If your Int or Wis or Cha is way up there, then you can get help, solicited or not, from anyone at the table. Your character is just that smart. OTOH, if your character is significantly deficient in one of these areas, that means that your character goes with the worst option blurted out at the table. When in doubt, we vote on it.
We give some of the more shy players more slack, but if you are a rogue running around with a 6 Wis, eventually your character is gonna do some foolish stuff--you can make it up yourself or let the table handle it.
The only thing tougher than playing low mental stats with a rat bastard DM is playing the same character at a table of rat bastard players with narration rights, all of whom you have gleefully messed up in the last few session because you are a rat bastard yourself. The best part is when someone blurts out a terrible plan, throws a hand over their mouth, and mumbles, "I didn't say that."