It depends on how much time you have to buld a world, and how much experience you have at doing this.
In one of my online games I have built an entire new world but teleported charatcters from Fearun and am building up my world a little bit at a time. In another, I have tucked my own town and little patch of country side into the forgotten realms. These are both good compromises - I can dip into the Forgotten Realms and take what I fancy, but can also "do my own thing" as well.
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