I haven't typically started out characters with any sort of back-story; they mostly just organically develop personalities from playing, sometimes firmly nudged in some direction or other by an interesting cosmetic. The notable exception was a grizzled old Kahjiit warrior dragged out of a semi-peaceful retirement by Mannimarco's Worm Cult. A 100% "you picked on the wrong Khajiit" sort of trope. I was always a little bothered by not being able to outfit him in something which fit his story until I picked up all the pieces of the "One Bad Knight" outfit from Jester's this year. Talk about 100% matching up with my head-canon for that one character... Wow! Well done, indeed! (and no regrets about spending the gold to apply the outfit, either)
I'm fresh out of outrage, but I could muster up some amused annoyance if required.