DAZ Studio might be enough for what you want. You can get Victoria 3, Michael 3, and Aiko 3 free at DAZ, as well. You would probably have to buy the morph packs for them to get the changes you want. With Poser Artist, you should have enough characters to work with. You would probably need add on morphs to get the changes that you want with that, too. There are plenty of free add ons for the Poser 4Studio male and female, and there are several free standalone figures that will work in PoserArtist or DAZ Studio.