Just did a round of new character creation last night (and the following game session). The players would make me feel bad about drawing up character-concept-generation rules; they did a fantastic job without them!
We started with character concepts, which were fueled by knowledge of the campaign setting and the two extant PCs. Then I tried to bolster them by rolling up attribute scores, but they’d made most of the hard choices already.
After that, skills, perks, and equipment were a snap. Hero points are pretty intangible though, so we’re still working on how they’ll use them. One idea was to use them on attempts to convert non-believers! That one should be fun.