I would agree in a sense that character creation is not all that difficult, but that's kind of like saying it's not too hard to dig a hole. The question is, how big is the hole? Creating a character is kind of like that, especially if you're creating it from new geometry. Sure, you can create it, but then you have to spend hours and hours tweaking joint parameters until everything works just right, and then more hours creating morphs, then having to go back and do some of the above over again because you found a flaw. It's a lot of simple steps, but the sheer volume of things to do can be daunting. I am working on a character right now, and I think I spent a couple of days just tweaking JPs for the hands.