While not totally at the point they are, this is widely my feeling as well.
A lot of people have talked about how PCs are special. Not in my games. PCs are rather ordinary people who have found themselves in strange situations and manage to see their way through it, often by accomplishing the extraordinary.
This doesn't mean they can't be
powerful. Of course they can. Just as an NPC can be powerful. But you will never see a "destined" PC in my games. PCs aren't
meant to do incredible things--they
choose to try, and hopefully succeed.