One of the most neglected issues within the process of starting a campaign, it seems, is the formation of the group. While some groups appear to have a penchant for creating each character in a relative vacuum, this can very easily lead to problems down the line.
As I mentioned in Across the Screen #0, having a “session 0” is very important, and that session can and should include character creation for everyone. In terms of a D&D type game (settings and systems may vary), there is very little reason to be duplicitous about your character and their abilities.
I have seen numerous characters seek to hide aspects of their characters. This occurs with varying alignments, but tending towards the rogue class. Players often do this to “steal from others” with impunity, or at least with less scrutiny than if they were known to be sneaky types. This kind of approach is difficult at best, as it forces all players to maintain an anonymity about their characters and capabilities.
Here is the brass tacks: You are playing a game that hinges on creativity, cooperation, and more than a little luck to carry you through dangerous encounters. You don’t need to kneecap you or your party by trying to be greedy about loot distribution, nor should you impose an unnecessary inter-party conflict because you want to be able to dupe the other characters, and, by extension, other players.
And listen, there is a time and a place for that. Play Fiasco. Play Wraith: the Oblivion. Play a board game. Or be on board with everyone and play a fantastic campaign that relies on storytelling more than rules. Better yet, play some hack and slash computer game that will probably satisfy your need to loot and plunder. But don’t set out to cheat people in D&D. There is absolutely no reason to do that in the default game of D&D.
But I digress. There are other reasons to build your characters together, though. There is more synergy and enjoyment when you can riff off of and work alongside your fellow players, as well as the GM to create a group that isn’t just a bundle of strangers that are at a tavern at the same time. I can guarantee you that you will have a better time, work more cohesively, and better understand what your group can collectively do.
I defy anyone who approaches the game from a “I am going to hide a trick up my sleeve by creating my character in secret” to give me one good reason that it benefits anyone within the scope of the game, including yourself. Ask yourself, what do you gain by trying to keep a trick to use against your fellow adventurers, or sillier yet, the effective god of the shared reality. Really think about what you stand to gain by doing that, and consider the benefits of sharing and growing together, as the game tends to encourage.
Maybe this isn’t an issue for you, but ask yourself how cohesive your group is before coming to any conclusions.