Shit, when you you start thinking too much about it, nothing really makes sense.
Like the Street Kid origin: V grew up in Heywood, where everyone leaves or joins the Failentinos, yet she never joined them, nor is she on good terms with them. She frequents the Coyote Coyo enough to be chummy with Pepe. She knows Padre, the cop, Mama Wells, but never met Jackie. Or Misty, who grew up there as well.
Only the Nomad makes sense, being a newcomer with no knowledge of the city, just like the player.
Makes you wonder even more if that was the original plan: a fixed Nomad character. Certainly gave me the best.... immershun.
Funfact: the lifepath pictures are actually reused Bushido movie poster with the lower half missing.
All three of them are hanging in the gym area of V's megablock.