Every character creator in this category presents as a single form, and behind it there are two unrelated mechanisms.
The appearance fields β hair, build, age band, style, clothing β are assembled into a prompt that goes to the image model. They affect what gets generated and nothing else. They have no influence on how the character talks.
The personality fields β traits, backstory, occupation, relationship, speaking style β are assembled into a system prompt that sits invisibly in front of every message for the rest of the character's life. They affect everything about the conversation and nothing about the images.
Knowing which side of the form you are on tells you how much care a field deserves, and the honest summary is that the second half is where the product actually is.