Is the human body generated from life force energy as a creation, courtesy of the Almighty, and then our consciousness as a soul extension moves in to the fetus to take up residence, much like a house is built for an eventual owner to inhabit, so Creator is the builder, and we are the homeowner, so to speak?

This is a keen insight you had about there being a dichotomy of energies and origins in play for each soul-based being in the physical plane. Your soul does not create life forms, and as such, cannot create a physical human being any more than it can create an animal or plant. That service is provided by Creator, to give you a home to inhabit for your journey into physical existence. Not just for the experience of it, but for the important work, as you have come to understand, that you are much needed to help solve the problem of evil that has arisen within the other civilizations created prior to existence of humanity. They, too, are a kind of hybrid creation, a composite of soul-based consciousness and physical energy expression of a flesh and blood composite, giving them a body to live within. This is customized, as you will appreciate from all your prior discussions with us about genetics and the influence of preplanning of the DNA configuration. This makes possible not only a reflection of the bloodline ancestral heritage in things like racial makeup and physical appearance reflecting what has come before within a family, but more personal makeup with respect to having a good match of physical characteristics and potentials with the deeper soul attributes that predispose a person for a particular role in life. For example, to be an athlete, such individuals will have not only a desire and drive for physical competition and achievement, but a strong, healthy, body with agility, quicker reflexes, flexibility, stamina, and inner talent reflected in the grace and beauty of movement, ability to learn physical maneuvers quickly and effectively, and even to innovate, based on prior learning in other lifetimes in that role, as is common for soul profiles intended to be expressed and in play during an incarnation. So this is more akin to an eventual homeowner working with the architect to specify the details, the makeup of components, the use of color for a desirable appearance, and space utilization in deciding on the floor plan for how the rooms will be used. Some people want space to do lots of entertaining with large numbers of guests, others would prefer smaller, cozier spaces to lead a more solitary or lower-key lifestyle, and so on. So this is always a collaboration in the deployment of energies for supporting life in the physical for you as a soul-based light being, needing housing and shelter during the excursion as a basic platform for your existence in the physical.