You can have a quirk before OFA but Deku will have access to your quirk after he met you or you can be quirkless and have OFA as your first and only quirk

You can be civilain, Villain, Hero or vigilante

User is a wielder of OFA but Deku also have OFA so we have two Wielders at the same time, and user bumped into Deku and All Might on the street and let's see how this turns out.