Once again welcomed posters, thanks for your input!
For those who've brought up the separate issues of concept vs. build. To me, those are the same for all intensive purposes. My
concept reaches maturity when the build I've designed allow me to do the things that make the character who they really are.
Now, this is were your particular concept/build comes into play. If your character has no special feature they need in order to "feel complete" then you will reach fruition earlier on. For example, suppose your character is an "assassin". You should be able to kill your victim quickly and you imagine the character as deadly. A rogue really won't start to approach this until they choose their subclass (umm... yeah, Assassin! perfect!!).
Or perhaps your character is a stalwart defender, a grizzled member of a shield wall and veteran of many wars. You might choose the soldier background to reflect this. But at level 1, your abilities, hit points, and combat experience hardly reflect your concept. It isn't until you are likely 8th level or higher before you really
feel the concept has come to life! Ideally, such a character would enter the game at a higher level, but you really can't start out that way IME.
Since I asked "in general", I was seeking an average level, if you will.
As others have mentioned, 5E seems (and perhaps was intended?) to be made with levels 1 and 2 being truly the apprentice/ journeymen levels. I am not certain how I feel about this but I find people's input interesting. I look forward to reading more and thanks again!