Wow! I swear to goodness everything you just said is true for me as well! XD Well, great, I don't feel special anymore.
But anyway, I pretty much start out by thinking of the characters first, and I'm good at drawing all kinds of designs and such, and then I sit there and realize that there's no point in drawing and NAMING a picture of someone if you're not going to use them for anything...
Now I'm a fantasy yaoi/slash/yuri writer, for the most part.... EVERYTHING I write has fantasy and some form of slash in it. @_@ That's just.... how I write. And I love it! So yeah, I start from the characters, then I move on to what kind of names would they have, and then I have to think about the kind of world and the kind of predicament. I love RPG type places, so yeah... My latest two fics that I'm writing are both fantasy based, monsters, magic, other things that I think I can incorporate into a story without getting too far out there.
I also like what someone else said about putting in issues in the story that people can relate to today, which I have to admit I've only really started thinking about after I finished Tales of Symphonia, which gave an intense view on racism humans and elves had for half-elves. It was really sad, but it opened me up to many things! And I think the next story I write will probably have that theme in it somewhere. XD