How many people do you know, that don’t drive you nuts, think they have their own wants all figured out? Out of that group, how many really have figured it out?

I think it’s a bit closer to your Peggy comparison : “Character wants [X] and due to his personality does [Y]”. In Peggy’s case it would be “Peggy wants to be seen as a high class lady, and since she is superficial and not a classy lady tends to overdo it”. The obstacle you mention should be more like the people who don’t respect her as a lady (like the Rat champion who only sees her as a subordinate) and those who keep humilating her (like Jill). Maybe one should mix the three : the wants to get the character to move, the obstacles to give him concrete objectives, and the traits to define how he removes the obstacles.

About Jill, isn’t that a common problem with protagonists ? Since they tend to be the ones reacting the the plot, you don’t get many opportunities to define their wants. I think it would have been good if Jill had some kind of goal outside of the plot (Introducing Riley sooner could have helped, I suppose).

And now that I think about it, this is probably why I can’t seem to think of a coherent plot for my stories myself : since my protagoonists almost never have a goal by themselves, it’s hard to get the plot going…