I don't think there's really a clear-cut line separating the player-created characters used in Fallout or Ultima (The Vault Dweller; the Avatar) from the pre-defined characters used in Final Fantasy, Planescape: Torment or Deus Ex (Cloud; The Nameless One; JC Denton).
I'm just as able to employ stealth with JC as I am with the Vault Dweller, and just as able to turn The Nameless One into a mage as I am the Avatar.
I suppose it's arguable that all three of FF*, Planescope: Torment and Deus Ex could be defined as adventure games, but I think broad consensus (journalism, mobygames, self-classification) places them in the RPG category.
There's a very clear cut one by my definition, Final Fantasy doesn't belong in that set, you have absolutely no control over Cloud, or any FF protagonist. You, as a player, do not define him. JRPG's are not RPG's in the really classical sense. It has little to do with stats vs no stats, predefined character builds vs player defined builds.
Torment's character backstory is pre-defined to some extent, sure, but you yourself, in almost every dialogue and action, choose
how the character responds, what he believes in, how he interacts, and the game keeps tabs on this. Radically different from any Final Fantasy.
Deus Ex is similarly flexible, albiet less deeply so than some games. You
define how J.C. Denton behaves, how he interacts with the world. The options are limited, of course, but there are options, again, JRPG's simply don't meet this criteria. Never have. Many games casually classified as RPG's don't have this. I posit that they are not, in fact, RPG's, traditional nomenclature notwithstanding.
"Real RPG's" are not about identifying with a predefined personality/morality. They are about being able to express your
personality/morality in the game world via your avatar.