>>96157089 (OP)Sometimes I build a character from a piece of art, so I try making character background choices that will fit with whatever the art makes clear. Sometimes this really heavily influences my core concept (like a guy in full knight armor wielding an AK), and sometimes it barely effects it.
Next I consider what my character can and can't do in terms of abilities or skills or social status or whatever. Or even equipment. If I couldn't afford anything more than a junky spear and dagger at chargen then maybe he's not a soldier, but a soldier turned brigand, and his last group got wiped out in an unprecedented night raid, leaving him just enough time to grab his boots and spear and flew the camp to avoid that overwhelming force.
Maybe the setting has undead, so maybe it was a horde of zombies that came upon his camp. Maybe the GM suggests it's zombies from a specific necromancer BBG. Maybe I want him to have a greater emotional stake in taking down the BBG, so it's not just that the group he was apart of was wiped out, his brigand GF got torn apart in the chaos. Maybe she had designs on an old abandoned building at some crossroads, intent on making a tavern, and this guy now has that as a broad long term goal, in her memory. Maybe he doesn't like taverns much, maybe he's a bit of the strong silent type, not a people person let alone a charamastic tavern keeper type, so it's not just pursuing a goal of the dead GF, it's him pursuing a goal he would never even want to do if not for her. Maybe considering that, I pull points away from social skills or whatever and stick them in something else. Is that the greatest adventure slash love story ever told? No, but it's a lot of content stemming from running out of cash at chargen.