It seems to me you could distribute figures as say a single stripped .obj morph to the V3 geometry and then an injection pose for the new JPs for the reshaped geometry.

The V3 mesh is very robust topology, the male and female unimesh textures are plentiful and there would be no copyright issues with the distribution if done with a morph and rigging pose. I think Clothes Morph could make a fast job of converting clothes to such a figure.

The real problem with "characters" as opposed to original figures is that people don't morph the tell-tale features like nostrils, nares, nose tip, eyeshape and ears.