On the topic of the title: I conceptually like how Soulbound have integrated players making quests. As a downtime activity (or “endeavour”) a player can choose to “investigate a nemesis”, meaning that the player gets to work with the GM to make a new villain for the story, and in return they get a bit of extra xp when the villain is defeated.

However, I haven’t actually seen this option be used (nor have I really played enough for there to be many options to), so I’m not certain how it would shake out in play.