Fair.

Quote from KenMarable >>

Depends on the character, but I enjoy right at level 1 where they really have no idea what they are doing yet. A clueless adventurer who has never tried doing any of this sort of thing, which winds up being a really fun contrast to them at much higher level when they are basically a superhero confidently saving the world.

Most of my group, however, prefers level 3. There's a bit of background, but definitely not fully settled into who they are or what they will become. It allows some space for some escapades for the backstory that can come back to haunt them, but they are still very malleable and unmolded so that the player can really explore the PC figuring themselves out and what they want to be. Unsurprisingly, there's quite often a bit of multiclassing in our campaigns as PCs start on one path early but soon find themselves pulled in a different direction.

 If you truly do a clueless character, you should try and make a set of level 0 characters, and let the players choose their fates by having them select their own classes in-game, kind of like The Elder Scrolls V: Skyrim. I've been tossing that idea around in my mind and think it'd be an interesting challenge. Just set up base stats for each character (which wouldn't necessarily be effected by their class) then leave the class field empty. however, it may work best with physical sheets in that case.