I think it would be cool if we could do like the older BG games and export/import characters. That way you could join any open game with a character that is already designed. For balancing the export could take solely the appearance of an already made character and you would just level them up to the game's currently level. That way no items or one time bonuses are getting duped. This would save a lot of time in character creation for people and make it easier to join a game with custom characters, since you are pre loading one instead of taking control of someone else's in an already started game.