usually i try to use scenario generators if you already have an oc idea, because story-writing/lore can definitely help a lot with character design if your fursona is still in development xdÂ
with the generators though, if you don't exactly like what they give you, you can always adjust it to your liking! like for mine, one of them was "harriet and mollie go to the store". obviously that's basic, so why not add onto it? it is optional but it helps a lot!! ^^