Who is Rey? She's a scavenger from Jakku, abandoned by parents who sold her for drinking money. Nevertheless, she survived on her own through her wits, and with help by her growing strength with the Force. She helped defeat the First Order in several battles, defeated Kylo Ren in a lightsaber battle, and is at the start of a new Jedi order and the beginning of the new Rebellion.
On this point, a character doing stuff (even very important stuff) is not the same thing as character development.
If a character can be reduced to plot points and abilities (such as using the force), then the character hasn't been properly developed.
Among the things you mentioned, the scrappy, survivalist aspect is probably the closest thing to an actual character trait. I think, in Rey's case, the two things that really leap to mind are the powers and the non-mystery of her parents.
It's true that she is set up to be a leader of the new rebellion as a Jedi, but again, that is a plot role, not character development.
The character development so far has mostly been what she is not, i.e. not somebody with important parents, not tempted to join Kylo.
Compare with Luke or Kylo. In their case, it's extremely easy to talk about their identity without resorting to powers or plot points.
So it's not that family drama is necessary, strictly speaking, it's that something other than powers and plot points is necessary.
I think the best one can say in Rey's case is that her story is set up to finally begin in the 3rd movie.