Well, i never played Oblivion so i'm just going by hear say lmao.
Back on Daggerfall, I don't think I can say it enough, but I love the character creation on it, and I'm puzzled why no modder has tried to implement it to recent installments. Class advantages/disadvantages, distributing your starting attributes, generated background questions that shapes your stats and starting equipment and editing reputations with few factions. The only things I have found are these two mods.
https://www.nexusmods.com/skyrimspecialedition/mods/2725?tab=description
https://www.nexusmods.com/skyrimspecialedition/mods/32248