You are saying you don't want to use Origin characters that are pre-written and pre-integrated into the story - but you don't like NOT having a pre-written pre-integrated character? So, which is it?
Concept of a good custom PC isn’t new. It is a computer game - content is pre-made and therefore limited. One can create only a character that the game allows for. Whatever character you create for the table-top, the DM and other players can respond to. It is not so in BG3. Sure I can imagine who my character is but in general The game either ignores things I communicated (lack of reactivity to backgrounds) or doesn’t provide many opportunities to express it. It should be a constant back and forth - you as a player get a wide selection of things to choose from, game when appropriate reacts to it.
I can imagine I am playing a character in minecraft, but it doesn’t make it a good RPG.
Every RPG will decide what range of characters players can roleplay as - some will be more limited then others. Instead of making as deep custom character reactivity, Larian opts to create multiple pre-made characters.
Plus, Patch 5 adding the background story Inspiration quests is helping to flesh out your character each time - it's not just a stat boost at character creation anymore, it DOES connect them to the overall story.
How so? I am in my second playthrough, and I don’t remember triggering it once for my main character. I am sure I did, but gain of useless (at the moment) resource is hardly a replacement for unique character development. If I didn’t watch the video, I don’t think I would be aware that just “quests” exist - I would be just confused why my companions are given inspiration points are random intervals.