I'm probably the same as you. In story-based games in general, I play for the story but I don't really focus on roleplaying when I'm actually controlling the character. I don't care enough.

However, I was bored while I was creating my character for XIV and tried to come up with a nifty little backstory for him just because. I've mostly forgotten what it was, but it was a nice way to make the character creation more fun.