I fixed it, repairing the game through Origin, then restarting seems to be the fix.
I don't have any mods or custom content installed, I trashed it all before launching the game this morning, including the cache folders in the Sims 4 folder in My Documents\EA Games.
I have updates, though.
Apparently, the lack of customization options is just a soft-lock caused by the Stories feature implemented a few updates ago, clicking the X in the lower-right corner and then choosing the Cancel Story option solves this and causes the name, life stage, walk type, voice, gender, and trait customization options to appear.
However, the Sim is still gone-- not invisible, because if I click where the sim should be, the clothes or physical appearance options don't appear, it's just not there.
The only way to even see the Sim is the preview icon on the lower-left corner of the screen.
You can still hear the voice of the Sim, by the way.
Screenshot of the update
I fixed it, repairing the game through Origin, then restarting seems to be the fix.
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