Looking over the game of 20 questions, #5 always struck me as something the GM should involve themselves with. That is just my opinion though. Its a lot of work coming up with that kind of back story, so I am working on a variety of lords and ladies. Its a work in progress, that originally started out as something just for me and my little version of Rokugan, but I decided to share instead. I linked certain concepts and character inspirations in OneNote for anyone to use.
https://1drv.ms/u/s!AsxnlxKKqRjpi2ZXRfPA7dkN9vZf
Cheers