I cannot disagree with you in stronger terms.
Back in 3.5 days, I was creating a character and my young daughter wanted to make one as well. What they wanted wasn't channeled into the narrow constrictions of what D&D offers. They weren't trained to think along the lines of how classes grouped things together, they weren't trained to think abotu how ability scores collate with classes, so putting your lowest ability score into Wisdom to be impulsive wasn't the best for a druid. We've been playing D&D, we think along the lines it gives us. Someone new to the hobby does not yet.
Full. Stop.
They are more likely to want to try something fantastical that they've seen or read than a long time player. That those who don't know the restrictions of class or race or how they are enshrined as sacred cows are most likely to ask. Judging 9 out of 10 of them as dysfunctional when you admit you'd let a long time player do it is nothing short of judgemental gatekeeping.