All three offerings should meet your requirements. They have posable fingers, skulls, and jaws. DAZ's product, while more expensive, gives you the option of both male and female versions, and they're probably the most anatomically-accurate of the bunch. The textures are excellent. If you're shooting for photorealism, this is as good as it currently gets. odeathoflife's product (the BTD skeleton) will conform to the Poser 6 male figure, James (and can presumbably wear his clothing). As a bonus, you get the centaur skeleton. Andi3D's product ... well, it wasn't designed to match up with any existing figures, so I'm not sure how well it'd work with conforming clothes not designed specifically for it. You'd probably want to use P5/P6 dynamic clothes on all these skeletons, anyway, if only to make the fabric drape properly over the bones.