What if the IRL you were in any movie, game, comic, etc? The spirit of this idea is that the real life you has been magically transplanted into a setting where magic and dragons are real, such as a D&D setting. You are very likely an ordinary person with a +1 to intelligence at best because you're a nerd. Think about a movie where an ordinary person goes into a fantasy world or the future or something, like Tron or Narnia, but without being lame, or a Doctor Who companion. You could also be the you of that setting. Because of this, the danger and the difficulty are greater than if you were built like an adventurer.
Rules: Take these revisions to the commoner stats (MM345). If you feel these don't suit the IRL you, justify it. Keep in mind, D&D characters are very above average people. D&D assumes 10 is an average ability score and 20 reflects the best a human can be, living or dead. A 15 therefore reflects being 1 and a half times better than average, or half way between what is ordinary for a human and the pinnacle for a human.
Race: What's your IRL race again? Human? Oh, yeah. Don't apply any racial bonuses.
Hit Dice: 1d8 is the hit die recommended for custom creatures that are Medium size in the DMG. 1d6 if you're 4 feet or shorter.
Speed: 30 feet. 25 feet if you're 4 feet or shorter.
Ability Scores: 4x 10s and 2x 11s or 5x 10s and 1x 12. Don't overthink this. If you really are that strong or that smart or etc., consider taking a 12 or a 13 at most.
Saving Throws: Pick any 1 ability that you think suits you.
Languages: Common. You don't know any standard in-game languages. Variant Rule: One other IRL language you know is mysteriously replaced by one standard in-game language.
Skills: Any 3 skills you think suits you.
Proficiency Bonus: +2 at level one, and progress as normal.
Background: Ignore this category.
Alignment: Do you generally obey the law regardless of whether or not you agree and try to be a good person? You might be a mischievous asshole or an indifferent git, but you likely don't function as a malicious person. Good people can do evil things in extreme situations and lawful people can do unlawful things in extreme situations, but let's face it, the worst you get up to is pirating anime and movies. You're lawful good. Deal with it, Clark Kent. You can change your alignment after level 1.
Tools: Any tools or instruments you are actually proficient in.
Game Sets: If you are actually proficient in games besides Skyrim and Monopoly.
Starting Equipment: 1 outfit you own and any objects you ordinarily carry around, plus 1 other item you own that you might have in a common situation for you.
Weapon and Armor Proficiencies: You are proficient in unarmed attacks, clubs, and other simple or martial weapons or armor if you have had formal training.
After Level 1: You can multiclass into any one class you like even if you don't meet the multiclass requirements once. If you want to multiclass again, you must meet the requirements.
Example:
BILL
Human, Lawful good
Hit Points: 8
AC: 10
Speed: 30 ft
Proficiency Bonus +2
Score Mod Save
STR 10
DEX 10
CON 10
INT 11
WIS 11 +2
CHA 10
SKILLS
Insight +2
Investigation +2
Perception +2
TOOLS: Painters Supplies
LANGUAGES: Common
WEAPONS: Clubs
ARMOR: none
INVENTORY:
Common clothes, phone, pen, wallet, shoes, rubber band
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