Character generation is indeed a difficult topic. I like the possibility to customize, but I also like playing the cards you are dealt. Perhaps some middle ground could be found?
I would like to suggest one such option. I read that non-combattant Brothers are likely to be introduced – smiths, healers and the like, who are part of your company, but not represented as fighters. I think in this lies great potential, for the game as-is right now but for character creation as well. You as a player are at the moment not represented in-game. Of course, you give the orders and make the decisions, like a sort of “invisible general”, but you can’t see yourself and don’t have any stats. Now, if a “court” or “staff” or “council” that featured the members of your company who do not fight was introduced (like the above-mentioned smith), that would exactly be the place where you as a commander could be represented. You could have your own picture and maybe a few stats or skills that would influence your company and that could be chosen at the set-out. Of course, you’d still appear on the battlefield, but I actually think that is a good thing as that way no one gets frustrated when their “player character” dies.
I think this suggestions has a lot of advantages. The player has a representative, there’s a possibility for customization that influences the game, the (possible) non-combattant “staff” gets another element, and there’s no risk of creating supersoldiers or min-maxing the fun of the beginning away.