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I am not sure I understand what you mean as a rarity!?

I was talking about in real life. Most people in real life have relatively dark underarm and pubic hair. Some people have fairly light arm hair, but in general body hair does not match the hair that grows on the top of your head.

As far as options: I like the sorts of things you describe too - but I don't expect them from a regular character texture unless it's a pricey one. It's more what I'd expect from a merchant resource, where I definitely want as little as possible painted on.

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