Typically it depends on the game and setting for me. I mostly try to play characters how I would be myself, but sometimes certain games I pick things that I feel fitthe world better.
I'm closer to being the MC's conscience or some kind of imaginary friend, which is why I make decisions based on how the MC would act, combined with my own judgment.
For example, if a decision causes the MC to get scammed, my reaction is, "Damn, WE got scammed!"
i name the characters after myself, but i try to angle for choices that lead to sex scenes i want to see. fortunately, a lot of games have walkthroughs or walkthrough mods, so i don't really need to think too hard.