When creating your character keep in mind that the NPC’s in this game already have established lore. If your character has ever interacted with them before the game begins, that interaction would be tangential at best. They have NO idea who you are.
That said, I would encourage you to read about these characters and Empire City. Perhaps an event helped shape your character into the person they are today. Maybe you crossed paths with a hero or villain and they inspired you. Maybe an event caused a tragedy in your life or gave you hope.
Maybe you just moved into town.