It's a nice dream, truly, but even today we don't have the appropriate tech to blend a recorded external sample into an existing pre-recorded voice line. It's another element that is just made 'easier' by having an element that binds the pc to the story, since it gives writers and out for referencing our character indirectly "Seems our shard-bearer has to go to neverwinter, like it or not... well, I want to see this through now, so I'm going with her." No, it's not entirely smooth or perfect, but it's another tool in the toolkit to handle a difficulty.

That aside, some of us use our hands to talk, so, recording our own barks and names isn't really an option anyway...

What's likely to come first, before that, would be the ability to give the game a phonetic translation of the name we want to use, within the context of a game that is already using functionally synthesised voice sets - these days, voice modulators can take a mic input, cancel it and convert it into something that sounds very much like a real voice, and yet entirely different - the good ones are getting harder and harder to tell apart from real humans. I could see, in the future, a game where this is done large scale, and so the game is actually equipped to read a phonetic description and place it into its existing dialogues for all characters smoothly... but I think it's still a little ways off.

And yes... fully immersive, fully tactile world experience D&D and video games of any sort is the thing I think many of us are looking towards as our generation's 'flying car' dream.