Well, if it's my most recent one from Fallout 3, than he's a neutral male, who doesn't pick a side, and doesn't steal in order to keep himself neutral. So, he's not doing anything good, but he's also not doing anything bad.
On the other hand, if this was my evil female from Fallout 3, I'd have my shit stolen, and I'd be dead, most likely, just because I was killable and not important for any quests.
Then again, if this was my good male from Fallout 3, I'd be alright. I'd have a cool friend.
Onto my two Oblivion characters.
My Khajit male would most likely be spending his days as the new Madgod in his Madness armor, scaring everyone around him and using his Staff of Sheogorath to freeze everyone who's hostile for a few seconds.
My Argonian female hasn't been doing much, so she'd be in her mismatched low leveled armor, going around finding quests and such.