Adults in the their 20s having apartments like that one in the city is probably the bigger one for me, but why quibble?
Sometimes they have interesting ideas, and sometimes it's "see how great I am" meh.That's awesome. To be fair on my previous statement, if one of the people I play with now showed up to our next campaign with a long backstory it wouldn't bother me so much because we've played together for ~7 years now and I've already killed all their characters once (TPK in our 1st PF2e campaign). We all had a good laugh and then discussed what happens next.
And I always prepare characters beforehand, after experiencing a convention game where the GM wanted to do character creation at the table "to show how fast this system is!" and had two players like the woman who inspired this particular series of posts, who spent half the slot creating and talking about their characters...
One of my longest & most complicated backstories was for 3.5Ed campaign that was starting with 10th level PCs. First, I asked the DM if the god Thoth (or equivalent) existed in the setting. He said Thoth existed.
I then created a multiclassed PC who was mechanically for all intents & purposes an “Arcane Paladin”; a member of The Illuminated Society of Thoth- a secular organization connected to Thoth’s church, devoted to the discovery and control of knowledge of all kinds. The society was divided into The Quills (admins & archivists), Swords (adventuring knowledge collectors & controllers), and the Scarlet Ibis (a ruling counsel with rotating membership). My PC was a Sword.
Wrote the whole mess up and sent it to him via email. He didn’t ask me to change a thing about the PC, and adopted the IST.
I'm talking more about the people who claim their 1st level Fighter is "Champion of Greyhawk, Slayer of the Great Wyrm Magnus, ....."It isn't necessarily about heroic things, but how their life lead them to be an adventurer in the first place. When I wrote the backstory for Kedric, the aasimar Champion/Bard I had in a PF2e game, the backstory was mostly family history explaining his aasimar-ness, and then a bit of story informing how he'd become a hybrid Champion/Bard (hybrid classes are not a common case in PF2e, and in fact require GM permission, but the whole group was in this case because we were an undersized party for what's known to be a somewhat rough Adventure Path and the GM figured we could use a leg-up).