Fair. I try to take that approach, too, but I still don’t like the cognitive dissonance of knowing someone I respect as an artist is a piece of shit. I can ignore it a bit if they evolved into an asshole over time (like I can still listen to early Kanye, barely), but I still don’t like it and it colors my appreciation of their work.
That’s fair. I’d say it’s easier on the GM, but asks more of the other players
edit: Plus, there are free digital tools for doing that planning that that are super robust and easy to use. I find myself using Pathbuilder to plan out characters I know I’ll never have a chance to play.