TLDR version:Thus the dangers of late night posting! The dread....TANGENTING!!
The way we always ran things like social bits that we had skills for (or lacked skills and were just trying to pull it out of our....hat *wave's Eric's gramma!*) would be something like this:
DM:The guard is drawing his sword and walking toward you with a look say8ing that if you live thru this you will wish you hadn't.
Me:Hmm...fast talk, fast talk, what's that number...ooh that's low. Ok.
Me(PC):"Hey I can tell that you're a very dedicated individual and you believe in protecting your king's treasure, but did you know that the king decreed a drop in guardsman pay by 1s/day? Here, lemme show you a copy of the decree..."*roll*
or the alternate from when you're super tired or not feeling very creative..
Me(PC):Hey we don't want any trouble here, we just came to wash the windows and HOLY @&*% WHAT IS THAT? *skill roll* *initiative*
Me:Aw crap.
heh. Make at least the beginning sound somewhat decent, make your roll and hope. I don't want everything to be long drawn out discussions. My last group we had a 1st time DM who was also an actor. Lots of good ideas, LOADS of character involvement and development, but after 9 months we were only level 3. I don't even like starting below level 5, maybe 3. We had a guy whine that "if you don't start at L1 you don't truly know your character". My answer was that of course I do, I'm the one making up the guy, I can wing another paragraph or 2 to account for a couple of levels
I'm great at character concepts, but horrible with names. I've had 2 or 3 sessions go by before I had a name for my guy before. Start with the race, class and some numbers. I start getting a general idea and flesh it out more in my head as I develop skills and feats. I have friends who are the reverse. They start w/a fully fleshed out character idea in their head, but then they don't roll like they require for the idea to happen and they get bummed and have trouble coming up w/another concept they like close to as well as the first. I'd rather start with nothing and develop something. Helps if I can account for bad rolls first.
A lot of that doesn't have much to do with what we're going at here, but I started out trying to show that a blending of the 2 (or at least a vague nod in the direction of playing it out) is perfectly acceptable. At least among my friends. Heck, I have friends who just say "I fast talk the guy. *roll* 22" and play continues. It's all about what everyone at the table wants. But that gets back to the social contract, which is actually rather important on the whole DM power level.