It's not my favorite method to create character'sbackgrounds; I have an agreement with my players that they can create their background freely, but if something is missing, I'm free to exploit the blank areas of their character's life. But, my players are more experienced. Your submission is a wonderful idea for those who are not used with the character's background creation process. If a new player comes by, I'll use it, to make things easier. Congrats!
Another nice piece. Fear seems play an important role in this setting. Or maybe I'm reading into it more intended. Horse-Lizards are awesome! Picturing elongated, reptilian horses, ribs exposed, gaunt, probably a sickly grey with a long tail. Nice!
Also: Death Seekers are scary.