For people and clothing this isn't that much of a problem. Since I use custom morphs and hand-dialed characters often, I usually save everything in a special folder in my "Work"-library. Each model gets it's own folder, with hand-picked clothing styles, readily morphed and textured. Things like that can use a lot of time, and I enjoy spending it. 

But even then I like the CG-part to be added via script. 

edit: yes, I know the clothing still is to bright here. That's the model I'm working on at the moment, and the render I had ready. 

A ship in port is safe; but that is not what ships are built for.
Sail out to sea and do new things.
-"Amazing Grace" Hopper

Avatar image of me done by Chidori.