Actually ya know what, I think I may have found them.
In Window 7 under Libraries > Documents > My Documents > My Games > Final Fantasy XIV - A Realm Reborn > FFXIV_CHR(some string of random numbers) there are a bunch of DAT files with pretty apparent names... you seriously couldn't be bothered to store another meg (if even) of data WITH the character on the servers??

anyway I guess I've answered my own question. close this post or whatever.