To be cliche, probably the Bethesda style character creation, just because you can tweak so much. That's probably the best I've got because my current laptop is a potato and Skyrim is about the most intensive that it can (barely) handle.
A huge issue I have with it though, is that after all that tweaking and fine tuning of your character, you can't save or load templates. So sometimes I'll spend ages creating a character, start the same and play for a bit, then for whatever reason decide to start again an hour later (regrettable choice, a faulty mod etc.), and now I have to create a character all over again. At that point I just choose basics and hit play.
This is an annoyance to me in all games with character creation though. Even something simpler like Stardew Valley, especially if you're trying to get the colours just right.
If you're going to give us the ability to create and fine tune personalized characters, let us save and load them, god damnit.

Yeah I was just coming to say as well, the biggest issue with this is mods.
And in games like Stardew Valley, the other issue is the game seed. If you keep using the same save, a lot of the same 'random' events will occur.