Wow, I really like this thread. It brings up some things to think about! I never really made a backstory for my farmer because I always though she was supposed to be more like me. I guess I could make a backstory off that, though. It kind of goes like this then I guess:
After living in the big city (Zuzu City in this case I suppose) my farmer came to hate every single thing about it. The small amount of space, the noise, and the continual mundane routine. All she wanted was to go off and support herself, settle and have a big house and yard. The city was also too lonely, and she figured that if she stayed there she might end up alone for the rest of her life. When she found out she inherited her grandfather's old farm (who she never really liked, unfortunately

) she left immediately and didn't look back. Now that she had her independence, she could build herself the home and family that she always wanted without being held back by employment. Now, she takes care of her crops (and plants for sake of aesthetics, not money), her family, and the dog too. It's the perfect life.
I'll put the boring part at the end so you don't have to read it if you don't want:
I tried to make my farmer mirror myself so that I could imagine what it would be like if I was as happy as I ever could be. If I lived in the game, I would never have a sad day again. I guess that's why I made her mirror myself in my main game. I do have some save files with farmers whom I have created individual personalities and stories for, but they're not super far along yet. On my main file, I chose the bachelor that I thought I would most likely end up with in real life. I decorated my house as I would want to if I ever could buy my own place. I chose the dog who most looked like my real dog (who has since passed away, Rest In Peace) but I now have a new dog who is a mirror image of my SDV dog. (It's almost creepy.) I guess at this point it's a comfort thing, where the game is like my second life. It's the one place I can go where there aren't a ton of problems waiting for me. It's also why, as this thread is discussing, I don't always choose the most profitable route I can take. I like to enjoy the little things, like planting flower arrangements and decorating sheds unnecessarily. Sure, I have my profitable items like wines and honey, but at the end of the day, it's not why I play.
Thank you for reading my novelette.