Lanefan
Victoria Rules
Don't really agree with the rest of your post, but this...
All the pre-adventuring bits can be filled in later, once the character has shown it'll probably be around a while.
...is 100% bang on.Extensive character histories aren't good roleplaying and they aren't conducive to good roleplaying. Play out one good session with a group of other roleplayers and your character will have one session of actual backstory.
All the pre-adventuring bits can be filled in later, once the character has shown it'll probably be around a while.