If you have to ask "Is character generation in this game too complicated?" ... it is.
If you are using the term "build", it is.
Look at OD&D. If you really felt like it, you could just pick a class and roll for hit points and gold. You could put off rolling for abilities until you need them. And you have nothing else you need to worry about. Most of your efforts will be in prepping for the adventure itself, not building your character.
You can add a little more variety to character creation, but if you ever find yourself wondering "Have I gone too far?" ... you have.