Gonna be honest, I usually make my backstory like 2 or 3 sessions in, that way I get a feel for the character and can do something that makes sense. I usually start off with a rough idea, but I like incorporating themes from the story into my background
Imagine finding out Orks killed your parents at level 10, long after that favored enemy bonus will be useful.
If that’s the card they want to play then it’s only going to hurt them until they start giving me something i can run with.
As a general rule, im willing to match and even exceed the effort players put into their PCs, provided they have done anything more than a statblock with a name.
But if they just have the statblock and name then I’m not going out of my way to customize content and quests specific for them.
This falls squarely under “play to find out,” so it sounds pretty great.
100% ok. Be prepared for weird stuff happening to you whenever I need a plot hook.