Though to be fair, in Fallout 1 at least (I can't remember Fallout 2), they did have character presets, like the Max Stone preset for example.
Fighter, Stealth, and a Diplomat. Nearly same format in Fallout 2 as well.
That say, not Bethesda but Obsidian, not Fallout 3 New Vegas but Fallout New Vegas, and the chances the second NPC ya talk to is a Robot.
Give it time and let the game sink in. Ya will enjoy it and build ya character from there.