I don't think it's too far out there, since CoC doesn't make it necessary to transform. Some folks can get into the groove more easily when their player avatar is something they can relate to (i.e. doesn't have any parts that they don't possess).
Most potential partners are not going to be pure humans, so you're not really missing out on the furry/transformed parts aspect; you just enjoy those parts on whoever your avatar is fucking instead.
Furthermore, CoC/CoC2/TiTS don't make your transformed body provide significant gameplay bonuses (and many more exotic body parts don't even have proper representation in many sex scenes). This means whether you should transform is left to your personal preferences for the most part.
There's no pressure to transform to make a "stronger character"; stay with whatever makes you comfortable, or even ignore the transformation system entirely.
At most, you might "have to" transform if you want to see a certain scene gated by a specific set of body specs, but you can transform back pretty easily afterwards.
To provide an example of a game that does things differently: Lilith's Throne has racial bonuses for combining certain transformations, and some of them are broken as all hell, which creates dissonance when you want to play a spellcaster but your preferred form (or fursona or whatever) turns out to be shit at magic (and vice versa, as there are races that clearly favor physical combat, or specific elements, etc.).
Staying pure human is also kind of a waste, stat-wise (though it may have an effect on the story at some point, who knows; at the pace it's going maybe we'll find out in 2025).
I'd imagine the number of players who stick with being pure humans in LT is much lower than in CoC/CoC2/TiTS, since the game gives you a real incentive to transform.
Also, even if "generic human male" wasn't the majority player choice, it's still the safest, blandest, most vanilla option if they're only going to present one MC appearance.
If, say, it was a dog-morph or cat-morph or horse-morph then more people would think "that isn't my MC" instead of "that's just a placeholder MC since there's no way they can cover EVERY MC appearance".