[quote]I guess it would depend on if he's already an established pirate/merchant at the start of the story, which country his country of origin would be and what their culture is like and overall what strikes me as most interesting. Speaking of, how much worldbuilding should we do or lore should we take liberties or help with, and I'm leaning more towards one of the Middle Eastern Countries depending on what they and the three different island areas are like.[/quote]

I have so little developed, but there is a bit of lore in stone (mostly with Orlandis which is the continent with Terijas and such). There is a LOT of wiggle room for players to do what they want with their own ideas of development and such.