To explain myself a bit, this was meant to describe part of why true, permanent character death was so rare in 3e. Complexity is part of that: choosing all those options for a higher-level character can be time-consuming. 3e kind of wants it to grow out of the character's experiences, so by the time the character has enough options for it to begin being a hassle is about the same time resurrection comes into play. By this point, the character has some history, some adventures in the past, that they have embarked on.
What aspects of (3e) D&D (whether character creation/development or not) encourage a narrative style of play?
1 - Permanent death is rare. This encourages you to grow attached to some "central characters."
2 - Prerequisites for abilities are common. This encourages a path of development from less power to more powerful, related abilities -- your new powers stem from your old ones in most cases. You learn to attack with all your strength, you learn to attack *through* the bodies of enemies, you learn to spin in a circle as an attack, your blade cutting through all who are around you.
3 - Character classes and Archetypes. This encourages adherence to a character type, so that your class helps define your personality. Wizards are studious. Druids are a bit savage. Bards are charmers and tricksters. Paladins are virtuous. You know how each would react to a fire in the local library (the Bard might organize a fire brigade, the Wizard would be in near-panic, the Druid might help, but might actually be kind of glad, the Paladin would want to rush in and save people, etc.).