I'd probably go somewhere in between those. I like characters like Zidane, Eiko, other FFIX characters who are a little bit unrealistic. The idea of "fantasy" to me is for the characters to be a little bit non human like.

In FFX however I liked the characters because although most of them were human, they were all very different, different costumes etc and the whole appearance of them was still interesting and fun. In FFVIII they were all a bit too realistic and normal to me. Since they pretty much wore normal clothes and all seemed very much like normal people who you could imagine in the real world to an extent.

So personally I prefer characters who are a bit different and unrealistic. I'm not a big fan of Quina though, but I didn't mind him..umm it. xD