Right, and that's a good point to consider. Still, for any number of reasons I don't think a shoestring BG3 would be successful. BG2 had the series being described with the word "epic" more often than not. It's been something of a blessing and a curse for Bioware as a company.
I seem to remember someone in this thread referencing filmmaking in comparison to making games (did I imagine that?) Making games is not like making movies, at least not making movies as you can now. I'd consider a comparison between the age of the Studio and the current gaming landscape. The internet cuts costs somewhat but we haven't yet seen a gaming equivalent of digital photography, an innovation that both makes starting out in the field easier and lowers day-to-day overhead.
In order to make a competent looking and playing game that isn't terribly simple (ie not cat golf) you still need quite an investment of time, money and manpower. I'd argue that the difference between an independent game developer and a major professional game developer is greater than the difference between an independent filmmaker and a major professional filmmaker. Passionate people still find ways to make their games, but it's definitely not something you can just up and do in your backyard. If I'm making a movie independently I can be creative and use what I have on hand and what I can find as tools of my trade. If I'm making a game I have to make everything from scratch, just like EA has to. EA just has more resources. Everybody has the capacity to make a ****ty movie. The vast majority of people lack the capacity to make a ****ty game.