DAZ Studio
FREE! I discovered this program about 3 months ago. Character creation is definitely not one of my strengths. Usually when I have an idea for a game that is about where it ends. There was no way I was going to be able to create descent looking characters, so why continue.
If you haven't downloaded it yet, it is a must have. However, if you want to create unique characters, you will have to purchase models, morph packs, clothes, etc. There is plenty of content available to create a variety of characters though.

