After 40+ years of customizing, house ruling and optimizing (to some extent), I no longer have either the desire nor the will to go much beyond what it presented in front of me anymore. The juice is rarely worth the squeeze to me. I just want to make a character quickly (or take a premade if the GM has them available) and go knock some monster skulls.
EDIT: And I find myself becoming less and less enamoured with players who customize the heck out of their characters. In my experience, it's very often about gaming the system rather than making an interesting character.
Your players and table will, of course, be different as will your experiences.