Whizbang Dustyboots
Gnometown Hero
Usually pretty early on, in conjunction with what PC ancestries are available. Who's living in the world will shape what it looks like.
If I want to run a fantasy game based on Elizabethan England (yes, please!), I shouldn't wait until the last minute to decide "oh yes, all the crowned heads of Europe are actually dragons," because things will be different as a result of that choice.
(Seriously, if someone knows of a fantasy RPG setting that resembles -- but is not -- Elizabethan England, hook me up.)
If I want to run a fantasy game based on Elizabethan England (yes, please!), I shouldn't wait until the last minute to decide "oh yes, all the crowned heads of Europe are actually dragons," because things will be different as a result of that choice.
(Seriously, if someone knows of a fantasy RPG setting that resembles -- but is not -- Elizabethan England, hook me up.)