In our ongoing Scarred Lands game, I'm playing a halfling wizard named Milo, with a raven familiar named Otto. On long trips, Milo chats with Otto in their personal language. Otto runs messages back and forth for him, tells people to go away when the boss is busy, and hangs out near the rogue and the monk when they're scouting ahead of the party so Milo can know immediately when the trouble starts. Basically, Otto's treated as a somewhat snarky but unfailingly loyal personal assistant; he runs small errands and reports only to his master.
I don't have him talk that much, and he doesn't contribute his own opinions to any discussion; we have five players, and I think it would be rude to usurp more "screen time" than I already do; beyond having him very occasionally say funny things that I don't think Milo would say, mostly he only speaks when spoken to. Besides, Milo's much smarter and more charismatic than Otto, so whatever Otto thinks is already taken into account when Milo's saying something.
In contrast to this was our pick-up hack-and-slash Forgotten Realms game, where we had two wizards. One had a cat familiar who we never saw or heard from, ever. The other had an owl whose main job was to deliver touch spells like shocking grasp for its master. I'm guessing the cat was only there for a skill bonus, and the owl was there for a skill bonus and as a surrogate spectral hand.
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i think otto's much better off than either of those two
ryan