Why not import some poser meshes into an app such as rhino or wings, if you can?,(either the base characters or some purchased ones) and then re-model the mesh. Re-texture once you've altered the mesh to what you want. I can't see any reason not to base your mesh on an off the shelf one to get the basic human form sorted.

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Toolset: Blender, GIMP, Indigo Render, LuxRender, TopMod, Knotplot, Ivy Gen, Plant Studio.