Really the simplest would be a low res figure, a high res figure, and a hybrid as separate figures. I think even the figure variants with different UVs would be more manageable as separate figures. I have not had much trouble saving for instance a lo res figure character and its hi res clone in the library and replacing the former with the latter in a scene on the fly.

I actually hate having to find MAT poses for a hair or prop with external geometry  and only a morph or two so I indulge myself by just saving multiples in the library with the different MATposes applied, deleting the poses I end up with the same memory use on disc more or less but much more ease of use! With injection figures why not have a few varients in the figure library as opposed to dealing with rigging and geometry switching poses... someone like me at least would end up saving the varients as separate figures in the library for fast loading anyhow. I must admit that my workflow is to use a figure saved to the library fully loaded with morphs, dial the character, use a script to spawn new morphs to all the body parts, and then REM all the injection morphs but the expressions before posing. Sometimes I even spawn the morph with the facial expression set and REM the expression channels as well.

On non injection figures I have to export the morphed but zeroed figure as an obj and then import it as a prop and use the Set-up Room to rig it with a shaved down .cr2.

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I don't know if objects take up memory when they are on a geometry switch... I wouldn't expect they would but what do I know? The problem with a prop head is that if you save a figure with a prop head the geometry gets saved in the .cr2 as "custom" geometry. When the prop is added by "replace body part" it seems the geometry is also stored in the .cr2. If you change grouping with the grouping tool the geometry of the whole figure is stored externally but in the library folder with the .cr2.

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BastBlack, when I saw PoserPros was shutting down I got Dodger's M3 re-shaped and re-rigged to M2 shape and rigging and the V3 with Posette shape/rigging and despite the weak promo renders they look AMAZING on my machine. Too bad they were not the M3RR and V3RR respectively!  They both look great and take stature scaling and injection morphs beautifully.

I wonder what the ultimate market effect would have been if the unimesh and unimesh rigging had been released as Creative Commons that let people sell derivatives. People could have made mesh and rigging solutions that DAZ could have brokered with exclusive agreements given their market command... both Phantom3D and DAZ would make out as bandits if DAZ brokered his re-rigging as a parallel figure but they don't do business that way do they? Instead they will look at his original figures and integrate the innovations on their next figure I suppose.

The sad thing for Phantom3D is that he really has to face the 800 pound gorilla.