For my PC, like some others have said, I will never use the origin characters as a matter of principle. Making my own character is a critical part of my enjoyment of an RPG, and I can guarantee that no developer will ever create a character that I will ever consider to be my ideal PC.
In terms of creating my PC, I dislike D&D spellcasting and so it would definitely be a melee warrior of some sort. I always go back and forth between a strength-based warrior wielding a two-handed weapon and a dex-based warrior/rogue type with dual-wielding. Race I tend to prefer sticking with human for the strength-based builds and elf for the dex-based builds. I don't care for playing shorties, though I have occasionally played dwarfs.
For my party, otoh, it will be strictly the origin characters and not generic mercenaries. Unlike for my PC, for party companions I definitely like them to be fully fleshed out and with their own stories and such, so no generics. But I also must have only non-evil characters in my party (good or at least neutral), so I am concerned about whether the game will provide me with at least three origin characters who are not only non-evil but also provide good range with respect to the different roles that need to be filled in a well-balanced D&D party. The latter point, though, is going to be very hard to achieve anyway, with only a party of four. A balanced party for me is DPS melee warrior (my PC), tank, rogue, healer, arcane caster. This is why I will never get to use eclectic classes/builds, unfortunately, because there won't be a spot for them within my must-be-balanced party of just four.