Hmmm, well first strike is you like Kaiden....that means EVERYTHING you say is wrong......lol.
Some of what you say I agree with, but honestly, it depends on what class you play and how you play....
ME1 Garrus, Tali, Liara...well depends on gear spec and what class you are playing. Maybe early a bit squishy, but after a few levels and some gear they never die because nothing is shooting at them due to the powers being thrown. Now mind you I play caster mostly classes, and OE I pretty much stopped playing Insanity due to it being boring, but with the changes in LE I often HAVE to play it otherwise it is too much a cakewalk. Wrex is a beast, and Kaiden is dead or never goes anywhere with me(I hate his power distribution and others are better).
Tali....decent armor and gets bonuses to shields so buff her armor shields and nothing gets through, use her tech mines and nothing shoots either.
Garrus....AR platform with similar bonuses as Tali but medium armor.
Liara...adept...things float around her so they aren't shooting.
Mind you, it also helps if you know what you are facing....meaning don't take Tali to face husks, but then again she and Garrus shine on Earth Moon mission...
It also helps in how you play and what level you are and how is your gear....later game, cover, oh you mean the stuff that slows down my killing people...early, cover is what keeps you alive while your powers or shields recover.... As far as squads go...depends on the class I am playing, Adept and I usually run Ashley and Tali, Vanguard gets Wrex and either Garrus or Tali, Soldier gets Liara and Tali, Earth Moon ALWAYS gets Garrus and Tali, I will also change up some classes in my squad just for different feel or because I am doing a different play style that day.
ME2(Insanity difficulty)
Grunt is ok at best, others are WAY better. Again, I play Adept so Miranda, Thane, Garrus, are all frequent members, along with Zaeed. You pair an Adept with Miranda and either Thane or Garrus(depending enemy) and things go boom. Give Zaeed and Garrus the incisor sniper rifle and things die. Grunt, he goes on his Loyalty mission and sits home rest of time....maybe I would use him on a soldier run, but that would be it.
Worst teammate to me is Jack...for insanity, she is laughable....though I have heard at normal she is decent or powerful, but when shields and armor are on everything she stinks. Yeah, I can agree with your worst three Kasumi and Legion aren't good either...ok at best.
ME3...never played it enough to really comment, the ending of the original as released burned me bad on it and barely played much past ME2 after....so no comment, other than if you put the DLC mini gun into Garrus's hands with the Prothean as well, you don't actually have to fight anymore, they will kill everything for you.....and yeah, I mean EVERYTHING, it is insane to watch.
