If I'm playing a premade character I just don't feel like its an RPG.
I don't really get this. I mean, maybe because my first contact with RPGs was tabletop games, it's not uncommon for you to have to use pre-made characters, or at least with severe limitations on backstory/race/appearance. The GM won't always have the patience to come up with miraculous explanations to fit your paladin/bard half-orc or whatever into the setting. The most common thing in my experience is that we have a general idea of the starting point of the campaign (for example, "you're all soldiers of an elite group of the kingdom X") and was our responsibility to create a story that fit the context of the adventure, and the GM obviously had the veto power. Sometimes I even got pre-made characters already planned for the adventure.
So I cannot really understand this idea that "an RPG is an RPG only when you can create your character". This was never part of the definition of tabletop RPGs, I don't see why it should be considered that way in CRPGs. Of course it's often interesting to be able to create your own character, but it is equally interesting to play characters that already have their own story and opinions. For me, those who feel the need to create their own characters aren't usually playing a character, but creating an avatar of themselves in the game and "interpreting" it.