Chillin

What do “dramatic, personal stakes” look like in tabletop gaming? What games center them in their mechanics and how?

Alright, so there are lots and lots of games out there that do this in very different ways, so this is going to be a very long and meandering answer.

Starting with the most "trad" example, Pendragon, the game of playing knights in Arthurian Britain that freely mixes history and myth, is for the most part a very traditional adventure game, but it also introduced the idea of Passions and Personality Traits to give mechanical heft to characterization. These are effectively measured on the same 1 to 20 scale as regular skills and attributes in the game, meaning that they can be "tested" just like skills, but they also have the potential for putting the player character into trouble. A character with the "Hates Saxons" Passion will have their hate actually manifest in play, whereas a character who is high in Lustful and low in Chaste will find themselves entangled in lots of romantic drama. Character personality will thus actually have concrete game mechanical effects. The Passions system has since been ported into more recent editions of RuneQuest and its descendants, including Mythras.

Fate is a more modern indie RPG that is less concerned with measuring out Exact Statistics and more about modeling narrative convention. Fate characters are, more so than their skills, basically defined by their Aspects, which are effectively narrative tags that define How a character should behave in a story and What sort of stuff should be happening to them. Aspects can be invoked (using Fate points, the game's main meta currency that the whole game operates on) for bonuses on actions that relate to that tag, but they can also be compelled to put the character into trouble in a way that makes sense for their Aspect, thus granting the player a Fate point if they accept the compel. Aspects are pretty much at the core of Fate and they are utilized for much more than just characterization: new temporary aspects can be created on the fly to represent things in the environment, aspects can be used to represent things in the world and the wider narrative, injuries and consequences of losing conflicts are effectively temporary aspects, and so on. This way the game is largely one where the meta resource management game ties heavily into things that matter in the fiction.

Eureka: Investigative Urban Fantasy (by @anim-ttrpgs) is another very trad RPG and a game that is very much a "going on an adventure" game (but the adventure is a mystery that needs to be investigated), but the game adds a bit of extra mechanical heft to characterization of make it clear that the game is about regular people investigating mysteries: the Trait system is one of the most important mechanical dials for character customization and Traits are effectively packaged options with both benefits and drawbacks, and those mechanical effects also inform characterization very heavily; Truths are unique to each investigator and are something I would compare to Fate's Aspects but much more precise and personal and less meta, giving investigators minor bonuses on actions in a scene when they are acting according to their Truth; and finally, Tiers of Fear, which are also very personal to each investigator, define how an investigator reacts to various fear stimuli that exist in the world and thus also heavily intersect with the game's Composure mechanic. All of these mechanics interact with an investigative game with a very clear intended gameplay experience to further influence characterization and add personal stakes into the narrative.

Getting back to the more avant garde, Chuubo's Marvelous Wish-Granting Engine is a game that I still struggle to wrap my head around because it's a game for smart people, but as far as I have understood: the gameplay largely revolves around player characters choosing personal goals called Arcs which are further divided into Quests; each Quest is defined as a number of experience points that must be accrued towards the quest for it to be completed, as well as specific actions that characters can do to gain bonus experience on those quests, and then you basically just. Let your characters loose on quests. The important thing is that while quests can be shared among a group (for a more traditional "Group of Heroes Going on an Adventure" narrative, which Chuubo's does also support) they are also personal (so each character will have their own personal quests they will be working towards) and asynchronous (a character may pick up multiple quests over their arc and not complete them in the same order as they started them, as some will be shorter diversions on the path towards victory). Again, this is a very broad-strokes, top-down view of how the game works, because it is a very heady game that I have yet to wrap my head around. If any Chuubo's fans notice any egregious omissions or mistakes here, please let me know.