Choose your char appearance carefully. Because your appearance is considered as cosmetic and not crucial and not affecting the gameplay. So changing your appearance is set to require real money to buy (micro transaction) from the item mall (item shop).
The following appearances are part of the micro transaction. - Face - Eye color - Hairstyle - Hair color - Gender and the bonded armor - Nick name
So it's wiser to make a new char if you don't like the current one.
Totem is not part of appearance, and changing totem is easy, so it won't be a big deal choosing a wrong one.
You also cannot choose your birth city/country (Buya/Kugnae). The server will decide it. I don't know how the server decides, whether it is random or switching to the other after one is chosen. It does matter because, your return scroll will always take you back to the inn in the city/country your character were born.