What lore do you ignore?

[Cleretic]

If you're dealing with other people then yes, but at the same time you can have a private concept of it happening differently.

Maybe it feels different with RP since that's closer-knit into your character concept in the first place, but for discussing lore here I will stick to the canon version, while personally noting that there are some things that wouldn't have gone that way if I was creating this story for my character(s).

Yeah, but there's a difference between 'I would personally have written this differently' and 'I disagree that this happened at all'. When we're talking about roleplaying they have to be entirely separated, while other sorts of fan creator might come from a different direction and be able to merge them more.

Best example I can think of: I don't think Ysayle should have died. If I were given power to rewrite the game she wouldn't have, and if I were writing fanfiction I may well either set it in a period where she was still alive, or find a way to fudge things where she actually survived (granted, her cause of death being 'exploded into aether' probably makes that difficult). Maybe in a very private RP environment we can play in that 'Ysayle didn't die' AU, but if we're meeting up in a general roleplaying context and the subject comes up, we just have to agree, basically wordlessly, that the information we were given by the game is exactly what happened, leaning into the lore from our common language whenever that differs. There are theoretically interesting edge cases (I'm particularly imagining a DRK player familiar with the English script meeting a DRK player familiar with the Japanese script), but for the most part that's just how it works.

I find that the interesting angle of creativity in roleplaying is making something that exists on top of the information we're given, rather than in other kinds of fanworks where it can be more of an intervention, altering what we were given. To that end, the most speculatory thing my own writing has ever really done is in relation to my main being a Summoner with an unusual selection; I basically had to invent how different primals factor into the Summoner kit, and which ones she could've found. And I actually made a point to play as lore-accurate as possible there, specifically picking primals that she could've crossed paths with and survived as a non-Echo-haver; the only thing I ever fudged there were the unseen surroundings of the Ala Mhigan summit in 4.2 (because honestly, pickings were slim enough that I needed to get to Lakshmi somehow).

EDIT: I know a lot of RPers have sort of a 'split character interpretation' for lack of a better term; where they have one continuity of their character as the WoL going through the main story, and one for roleplaying with others where they're just not. I respect that, but I personally don't do it, in large part because my character just wouldn't walk the same road to the point where the story would turn out appreciably differently, and probably a lot less enjoyably. Shadowbringers in particular; she'd have had a whole bunch less patience and fondness for Emet, which you can imagine would've kinda... broken that story. Endwalker would've probably hit all the same beats, but Elpis would've had a much less pleasant air about it.