Except I don't have an avatar. We had vtubers without avatars before. They're called streamers.
When people try to reduce the experience involving a female avatar, deliberate baby voice, squealing overreactions, and often creepy character designs down to "I like her personality" it makes my eyes roll. If personality was the only thing happening they wouldn't need the cartoon character. It adds something or it wouldn't define the genre.
So since it demonstrably does add something, the question is what?