That's a very good point, thanks for bringing it up.
The question here is if they want to create a deep believable world, or a Biowarian power fantasy for people.
If it is the first, then it is rather questionable if in a given fantasy world with emerging conflicts and no ways of communication dark skinned characters would be trusted and respected by the world around them. If the player character starts as a dark skinned character, an elf, dwarf or similar and isn't in a settlement amongst his people or didn't get there through extreme special circumstances it is very likely a bad plot device.
Looking at the human condition, no matter how some people believe that we are "civilized" or "evolved" there are STILL wars raging on about religion and skin colors in the middle east and throughout Africa. Both racism and the importance of religious beliefs has been decreased the closer cultures on the world got together both in a physical way (with planes and trains) and in communication (speaking a common language or understanding each other through the means of say the Internet or telephones). Just a mere few decades ago there were still full-on holy wars going on against another race, despite them even being human and of the same species. Back in the 1930s there was still large-scale extermination of a certain people and there were wars being fought over ridiculous beliefs even between people whose only difference was the language they spoke and what side of a border they grew up when they were children.
There is no real possible logical explanation for "tolerance" being an accepted feature between races in a non-technological world without planes or the Internet, TV stations and multinational trade going on. In a world where people hit each other in the face with a mace over their different religious beliefs or because they tried stealing a loaf of bread, where we don't have police states and courts to hear people out when they have been wronged but reigning vigilantism, "tolerance" is a ridiculous belief and notion to take into account.
Now if they want to create a Biowarian power fantasy world without any anchor to logic where everyone would be happy coexisting with each other instead of that, yes a black female bisexual elf who lost her leg in the war would be a possibility.