True -- I'm just thinking about how to portray him. A level-2 fighter would not be very strong or experienced (yet), so that's how I'll write him. Of course, the story itself won't talk about levels, feats, skills or XPs -- that would be silly!
But it will give me some ideas of what he can do, and I can write these skills/feats into the story.
For instance, instead of the feat "Lucky Soul", I could write in a few lucky strikes or dodges. Instead of saying "He had 8 points in the Diplomacy (or Intimidation) skill", I could show him persuading (or intimidating) people (or even monsters?) to do what he wants. And so on.
I think of my job as a bit of a DM -- I plan out what the story is, who the characters are, what my hero's strengths/weaknesses are (if any), what he should learn, how he gets there. Then I break it up into scenes, each scene lasting about 2000 words (or as long as necessary, like a D&D session).
Then within each scene, I describe the scenery and the people, write the dialogue, roll (or fudge) some dice behind the scenes in my hero's favour/disfavour, and so on. I describe what his goal is in the scene, who stands in his way, what he decides, what the outcome is -- and maybe a cliffhanger or two! -- just like a D&D session.
Sometimes my hero surprises me. He doesn't follow the script, but does something completely unexpected, because it's smart or funny. Then I sigh, think "Okay", and change my plan. (Again, like a D&D session...)
How to fudge rolls? Suppose my level-2 hero encounters a chimera. Obviously it could roast him alive, but suppose the dragon head is tired of the whole "fly-roast" business and starts arguing with the lion head. "You always think you're in charge, just 'cos you're the king of the beasts!"
"Shut up and flame him! I want to eat his face!"
"Oh, go eat your own face."
"What?!"
"Growling at me all the time. I'm not your servant! I'm a dragon, I am!"
"Excuse me for butting in--" The goat head starts.
"What do
you want?" The dragon head snarls. "Go chew your cud again, I know you like that!"
"Excuse me--" The hero says.
"Shut up, you! We're having a civilized conversation here!"
The lion head roars. "Will you stop faffing about and flame him already? Or I could claw him. Shall I claw him a bit?"
"Too much effort. Let's fly a bit and see if we can find a horse or something," the dragon head says.
"Baaah! Speaking as a vegetarian, I object to the rough treatment of living creat--"
"Shut up, goat!"
...and so on. While they're arguing, the hero jumps on his camel and rides away. This gives them something new to argue about - shall we flame the camel? Nah, they smell bad. Anyway, camel meat gives me wind, etc.
What do you think? OK, yes, there's an obvious inspiration from Monty Python. I'm just doing a little brainstorming here -- all of this can change later ...