I consider a character "finished", with maximum convenience and ready to go for endgame content when all of the following apply:
Max champion rank (obviously)
Their mount speed is 60 and at least 130 bag space
They have all crafting passives required to deconstruct items of any level and quality and not lose items due to lack of skill, instead of having to bank them for my crafter to deconstruct
They have all of the skills and passives maxed that I think I will ever need
They have all of the gear they need in BiS traits and gold enchantments
They have at least 4-star equipment rating (ties into point 4)
Their champion points have been properly tuned after putting on their endgame gear
I believe this covers everything. By my own logic, I don't actually think I have one "finished" character. My healer still needs SPC, my tank is not practiced in hard content yet and doesn't have the undaunted passives or the final point in the undead slayer passive yet, my sorcerer is abandoned until further notice, and my magblade needs a complete overhaul to do anything harder than basegame vets, and my magDK is using Flame Blossom as his second set, which may be inferior to infallible aether with its slayer passive.
Edited by Dapper Dinosaur on March 19, 2018 3:29PM