So I was thinking about a character that might be fun, what if the guys back story is that he was unloading a pallet off of the truck in the backroom and because he was playing music and not paying attention he pulls the pallet through a portal that opened up and brought him to the world. So he has no money, but he has all the stuff on the pallet to help him survive. Say it was a sporting goods pallet, he could have golf clubs, tennis rackets, fishing poles, a tent, maybe a propane cooking kit. Lots of stuff he'd have to leave behind because he can't carry it all, and depending on the Walmart, arrows and a compound bow. He'd probably be terrified, and only speak common. It could be revealed that a god was trying to summon a coworker who practices ufc fighting, but hadn't accounted that he'd walk through first so they just decided to go with it. Also I could see a party of adventures taking him under their wing. His name could be juss sum dewd, or the party thinks his name is that because when he tries to explain he'd be no help, he says "I can't possibly do this, I'm just some dude." So he'd be extremely curious about the different religions not being able to understand the differences in a government sanctioned religion and a cult so if they try to convert him he'd probably just go with it until they go against his morals. He'd be alarmed at first at all the races and probably think they were monsters. So he'd be terrified. He'd have the fighter class, and since the game I'm thinking about using him starts at level 1, I don't see much of a problem with him starting out with a low ac.