Aww, no wrapping up. I wanted to comment.
Well, okay, so, I don't have much really to add that others haven't already said.
My characters, a lot of the time, spring fully formed into my head (when I say "fully formed" I don't mean that they'll never evolve and change, but, I mean, ready to play). A lot of times, it's a random inspiration. Helping a friend find a name for their new char, I find a name that rings bells. A picture that's on the wall where I sit when I play D&D has inspired me with a char, that I may never actually create, 'cause I just can't play evil.
Looking around is good - I was designing a world, and needed a name for a nomadic tribe, and saw the wrapper to a certain type of candy, the nomads were named the Reesal. (I'll let you guess the candy)
Once the character pops into my head, I generally have to play him or her (don't have any 'it's yet, but, that may happen). So, I will likely end up trying to play that evil one. . .
Sometimes, people created just for background end up being fun characters - like Meliki and Leesa, who were just there to flesh out the costume shop at the Cat. (Yes, it's me! Hiya!)
But, as this thread demonstrates, everyone has their own style and inspirations. Develop a back ground, go for unique, use a stereo type. . . It's all good.
If someone is stuck, and doesn't have a brain full of people looking to get out, I suggest reading or rolling up a char. Or both. Start with a stereo type just to have a starting point - that is, if inspiration for something else doesn't strike.
As stated many times, the important thing is to have fun.