Problem the second: What sort of comments do you want npcs to make about the PC? Lets say you make a fat pc. Do you think it's ok for an NPC to walk up to you and say 'Hey there fatty fat fat chops! You're a real fat fucker aren't you?'. I don't think people are gonna be ok with that. The same thing applies if they are ugly. What about if your character likes cross dressing, should NPCs comment on that? This whole thing would just be too potentially divisive in an age where computer games get knocked for being too juvenile and old fashioned in their attitudes.
I think derogatory comments from NPCs are ok if they fit in the world they have crafted. If a group of raiders or a skeezy underground gang were calling me a fat loser as I walked around their camp, I'd think "Man those guys are dicks" and be left with the sense that this world has more character to it. I'd assume the priest at the shrine to Kinareth wouldn't be throwing serious shade at my character's full figure. I don't think I'd like it if everyone were bullying my character because I don't think that would contribute to a game world that is well realized.
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