Kind of annoying for the games where you have to lose to see game over scenes. Conceptually the scenes make since but in playing you get incentivize to save before every fight and try to lose (sometimes this takes a while) to every type of enemy at least once even if there is no scene.
As for...
Depends on how much of a personality the MC has. If its a faceless protagonist intended to be the player sure, if the MC is his own person then I dont really care.
Faceless or just the default male character from any of the illusion character creators.
Exceptions for if the setting needs a bulkier more impressive male character which can then be its own thing.