Only stupid question is the one you don't ask.  Ok, as far as character creations are concerned, are we discussing a character as in a male or female type character you've done for V3, V4, M3, D3, A3, A4 or the like?

Or by character do you mean a figure that you build yourself from the ground up using a modeler of some sort?

The reason I ask, the procedures and files involved for both will be a little different.

-Never fear, RenderDog is near!  Oh wait, is that a chew toy?  Yup. ok, nevermind.. go back to fearing...