That's pretty close, from my point of view. JRPGs are very character-centric, whereas WRPGs are more background story centric, and the main character you "fill in" with your own personality.
That said, JRPG characters are often very interesting...although usually kinda immature, thanks to the typical JRPG Japanese teen demographic. WRPGs don't usually go into too much character detail, as the game is presenting the story to *you*, the player, and it's forced to not rely upon "your" backstory as much... although certainly some plot elements from a ficitional main character backstory are often included. Like Your F3 example... the story includes your father, who obviously isn't you, and thus that part of the plot doesn't really say much about your character at all.
I once enjoyed JRPGs a bunch... but lately they all seem very much the same. The stories are just too immature and nonsensical for me anymore.
Essay Pro