For example

Race: Midwestern American
proficient in long range attacks, +2 drive and explosive checks

Class: Insurance Salesman
+2 persuasion, +1 computer use

Skills:

“Howzit goin dere?”
Once per day make a greeting. All within earshot must make a DC17 wisdom saving throw or be dragged into a banal conversation about the weather.

“You betcha!”
Advantage on all charisma checks

“Let me squeeze right past ya”
An swift wind starts to blow and protects you. Until the start of your next turn, you have a +3 bonus to AC and +5 to all Dexterity checks

Regular Bard

Ancestry: Northern European
Advantage on Con saves against weather affects and immune to Exhaustion caused by Cold

Background: Dissilusioned Millennial
You gain the starting benefit of the last 5 classes you have made progress in, as your inability to decide on a career path has led you to many business ventures which, while failures, have still taught you something.

Class: Mechanical Engineer 1/ Physicist 1/ Teacher 1/Technical Writer 3/Machinist 5
Proficiency in Drafting, Proficiency in Abstract Thought, Proficiency in Patience, Proficiency in 1 additional Language of your choice, Proficiency in Persuasion, Proficiency in 3 sets of tools of your choice, Proficiency in Crafting

Class Features:
It’s not due until tomorrow
You gain a +5 instead of a negative modifier to any check made to write on a subject you haven’t prepared for.

Dimensional Metrology
You instinctually know when a design you have seen will result in a good part or a bad one.

Operational Parameters
When making a crafting check for any tool you are proficient in, you can add double your proficiency bonus.

Emergency Modifications
You gain the ability to add a +5 to any crafting check you make, up to a maximum of your INT mod times per day.

Feats:
One With Sleep
You gain a +3 to any skill you have no positive modifier in after an 8 hour bout of sleep.

Dunno about anything else, but I have Aspergers, and the only way I can think of really simulating that is giving disadvantage on basically anything that needs a Charisma check.

Nepenthe (Haunted Vagabond)

Race: Southeastern American
Alignment: Chaotic good anti-villain
Languages: English, Turkish
Speed: 26 ft.
Proficiency with simple and ranged weapons, +2 to intelligence and wisdom

Inventory: Crochet set, beef jerky, battered novel

Armor Class: 10
Hit Points: 7 (1d8)

STR: 7 (-2)
DEX: 11 (+0)
CON: 9 (-1)
INT: 13 (+1)
WIS: 16 (+3)
CHA: 7 (-2)

Passive perception: 15

Skills:

Better Read Than Dead
Some have suggested your obsession with literature is unhealthy. They are wrong.
+2 to medicine and arcana checks. Disadvantage to saving throws involving offers of knowledge acquisition.

I’m Fine, Really
You’ve grown used to living rough.
Your daily ration requirements are halved. Advantage on survival checks.

My Bones!
Longstanding injuries have left you susceptible to extreme temperatures and extended periods of movement.
+25% damage from fire and ice. +1 Exhaustion for every 4 miles traversed on foot without rest, as well as every hour spent exposed to extreme cold.

Third Eye Blind
Years of living on the outskirts of society have granted you the ability to perceive clearly what others do not. Sometimes, those revelations are even true.

Instead of rolling during perception and insight checks, the DM flips a hidden coin. If the result is tails, the player passes the check successfully. If the result is heads, the player receives false information about which they are extremely convinced.
(ex., an empty room is described to be littered with invisible traps, a trustworthy NPC is “obviously” traitorous, a terrifying dragon lurks down a hallway it cannot possibly fit into)

Animal Companion: Soft kitty. Swift, pointy, and unquestioningly devoted. Entreaties to stop making noise and go away only encourage her. -2 to stealth.

My talents and skills are many but I think in an RPG these would be the most notable:

Race: Northeastern White American
Northeastern Aggression: +1 Charisma in Northeast US, -2 Etiquette outside Northeast US, +2 Intimidation outside Northeastern US cities

Class: Network Engineer (Hybrid Engineer/Programmer)
+2 technology, -2 communication with anyone outside class, proficiency in electronics, proficiency in mechanical thinking

Military Veteran
Free Healthcare, +1 charisma in US

20-year Military Veteran
-2 dexterity, +2 stamina, -1 on sanity checks

Basic First-Aid

Radio Communications
Can communicate effectively using phonetic alphabet and 16-line message format

Basic Fabric Crafting
Can sew on buttons, repair tears in fabric, use a loom, knit using needles and embroider simple patterns on cotton cloth

Advanced Networking
Can design, troubleshoot, maintain and repair computer networking components on Layer 1 through 4

Cat Companion
Summonable Combat Pet, Agile with Sharp Claws

I’d probably be a bard since im a musician. High charisma, low str and con, average int and wis, decent dex. I’d imagine I’d be proficient in persuasion and diplomacy since im a mediator around the workplace. If I had it my way, I’d use a light partisan for my weapon and wear half plate, even though bards have to take extra feats to get that.

Peasant for Hire

Ancestry: Southern US
+2 to Cooking Skills, +1 Charisma, access to Sweet Tooth feature

Class: Artisan
+2 Painting, -2 Getting Paid

Background: Extrovert
Twice per day start a random conversation forcing your opponent to pass a Fortitude Save. This grants advantage on your next check regardless.

Feature: Sweet Tooth
If you are near a dessert you must pass a Will Save or take a bite.

Mr. Pumpernickel (Commoner)
Large humanoid (too large), chaotic neutral alignment

Armor Class: 5
Hit Points: 4 (1d8)
Speed 30 ft.
STR: 15 (+2)
DEX: 6 (-2)
CON: 12 (+1)
INT: 7 (-2)
WIS: 10 (+0)
CHA: 5 (-3)

Senses: passive Perception 10
Languages: English, French
Challenge: 0 (10 XP)

Actions
Complain. Mr. Pumpernickel unleashes a string of inane complaints laced with an accusatory tone at a creature he can see within range. If the target can hear him (though it need not understand him), it must succeed on a Wisdom saving throw or take 1d4 psychic damage and have disadvantage on the next attack roll it makes before the end of its next turn.

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