Bungie has been talking about how they want us to develop a character over time. To make it us. However since their are three class', we would end up missing out on a lot of gameplay styles since we can only play as one class at a time.
One solution would be to have multiple characters that are all you, that way we could experience all the varieties of gameplay. Good idea? Bad idea? You decide.
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I would love to have three character files to play as warlock, titan, and hunter. But that raises a lot of questions and presents a lot of problems. You wouldn't be able to "become" your character. It wouldn't be you. Competitive multiplayer could become a bunch of noobs running around with their secondary character, wrecking havoc on your team/party without a care in the world. As long as bungie can provide a viable way to "fix" this, I would love multiple characters. but the logistics would be crazy.