I doubt you remember me from the old Pinnacle RPC boards about 6 years ago (I bowed out at the time because I was going through a very painful divorce and had lost my account to my ex, and the board hack at the time wiping out all of my stories was salt on an already festering wound), and this is probably a bad place to say ANYTHING defending DC Universe Online, but I do feel I need to correct one of your statements.
You actually design and play your own characters in DCUO; in fact, some combinations of words that make up existing DC character names (like any variation of "Wonder Girl" I discovered for one of my toons there) are AUTOMATICALLY blocked as "Syntax Errors" in the character creator. Seriously, one of the most common complaints about DCUO is that you CAN'T play as the established characters (the common wording being some variant of "playing as Batman's errand boy"), which I guess shows how out-of-touch I apparently am with PS3 game reviewers...
Mind you, it's not a GOOD Character Creator; if CoX was a Ferrari and Champions Online is a Porsche, then DCUO would be a soap-box derby car with a missing wheel. As someone who bought a Lifetime Membership to it at launch (I'm a big DC fanboy, at least before the "New 52" reboot), I ended up dropping it and returning to CoX after the first month, only returning to it recently at the urging of a friend ("Hey, at least you don't have to pay for anything in it") and because it's the last place to find the DC Universe I had loved. Seeing a beloved place full of characters I'd grown to care for be completely destroyed; I am HONESTLY uncertain if it's better that CoX is (hopefully just for the moment) gone completely as opposed to seeing a bunch of bastardizations pretending to be those beloved characters going through pathetic imitations of the motions.
...sorry, got off-topic. Anyway, I think you might have confused DCUO with the Marvel MMO in-development, since that one you can only play as the existing characters, or with the Legends mini-game thingy in it where you run missions as existing characters as "training simulations."