I am currently using mostly A3 and V4 as my females and M3 as my male characters.
You can not buy everything you see and want, so you have to compromise.

If money is an issue you should download Appolo maximus as a male character, it's free model with several free textures and one of the best poser-models being around these days!

Here's the link:

www.antonkisieldesigns.com/~akfiles/htmlpages/ApolloMaximusFree3dhumanfigure.htm

regards,

Bopperthijs

-How can you improve things when you don't make mistakes?