there are elements of myself in each character most of the time. i try to be extra careful with female characters, though, because women aren't like men in their thought processes in a lot of situations.
also, i have stock characters that round out the background, people who i'm very familiar with in terms of their profiles. only if i ever get to the point where several books of mine are published will i start to differentiate them a little more just so it's not quite so obvious.
at the same time, i'm going to miss where i work. not doing factory work, but the hundreds of people i've shared the last ten+ years with, all of whom are characters themselves. i don't have to supplant people walking by in a coffee shop with fake histories based on impressions which may or may not be true, i've got the real thing to fall back on. everyone has an interesting story if you get to know them, stuff you simply can't invent all the time. since i can't possibly live every type of lifestyle (and wouldn't want to anyway), i can still talk to people who do.
i'm going to miss that. i know already that if by chance i ever happen to be able to write full time, i'll need to carry a job where i get to have plenty of human interaction if i want. a lot of a character's surface features might depend on someone i know in real life, but it's my thoughts i project into them the best i can with the understanding that i'm trying to be true to their, ah, character.
yeah, i think my characters are like me to a great extent, that's why i tend to have them perform in situations things that i'm capable of. my characters typically can't swim or dance for @#%$, because i can't, either. they're great in bed, though, just like me, so at least they all have great sex. ahem. anyway, is it terribly possible to not put at least a facet of yourself, be it from experience or fantasy, in your characters? are your fantasies not a part of who you are? i'd guess that those who say 'no' are the ones with the sickest fantasies of all, lol.