Me, I favour the way DA:O did it. It gave you a place and grounded the character in the world without impairing your own characterisation of them. That's the balance I'd like to see more games strike and developers explore.
D:OS2 and BG3 just feels like they want me to play somebody else's OC (do not steal!) and that doesn't interest me at all. It would be better if they went straight up action like the Witcher games do if that's what they want to do.