Hail Folks,
I have walked the Worlds of Sosaria for 156 or so months. I have several accounts, each with several Characters. Even when Soul stones were introduced I scowled at them for a few years before finally obtaining one.
Ultima Online is first and foremost intended to be a virtual world where you bring your imagination and creativity. You Create a Character, give it a personality, perhaps its own unique History. Either immediately, or over time, give it a purpose, a reason to be. Whether "solo" or among a group of hopefully friends, play your role, live your character and enjoy Sosaria, or as some call it now, Britannia.
If you insist on beginning "full grown and fully developed," buy an advanced char token and jewel/item up from there and have at it.
UO provides for "short cuts," in adv char tokens, scrolls of alacrity, pinkie scrolls, macro training, and UO also provides for normal character development.
UO even provides what you seem to want, its called Test Center or Test Shard.
I am sorry, but I consider this post an unreasonable one asking for unreasonable changes.
The only possible reason for such a request, that I can imagine, is to uber fast allow for full accounts of fully trained characters one then hoped to sell for real dollars. I do not say this is your motivation, only that it is the only reasonable one I can imagine for your request.
I'm sure on occasion over 13 years I've suggested to someone they quit. I try never to suggest that but I am human and subject to human weakness. However, with today's low populations I simply challenge you to challenge your own beliefs, and go look for a different UO than you think you see.
Lord Elladan of Trinsic/Baja