Search out the DAZ AV skeleton; that one has a fully articulated spinal column, the scapula are adjustable to keep them where they belong (the shoulder assembly pivots from the clavicle, so the scapula can separate from the ribs at certain motion limits). The tarsals and metatarsals are standard Poser Shovel Foot rigged, so you lose some accuracy there, and the carpals are the same; rigged as 'hand'. It isn't perfect, but it is a lot closer than some of the other skeleton models out there.