Hmm. I'd guess that this ties into the competitive questing. Obviously, competitive questing only works in multiplayer, so it depends on the character being the player's avatar.

Now I'm more worried about this system. I don't want a "Generic" character to be the boring choice.

Hopefully the move away from voice acting and expansion of the writing team will result in a lack of boring options, and plenty of interesting companions/origins to choose from.