Quote - Is it frowned upon to just dial up a new character, create new mats and sell him/her that way?  Must a person morph the person in another program like Zbrush or Hexagon first?

My answer to your question #1, was based on the assumption that you wanted to make an INJ for morphs that you had created yourself. "SpawnCharacterP6 update" and "Pozers Little Helper" create files which contain actual morph deltas. As most third party morphs are subject to copyright! Distributing such files would be a breach of copyright. For third party morphs the only thing you are allowed to distribute is the morph dial settings. For that you need to make a MOR Pose. There are some utilities to help making MOR Poses, but I don't know anything about them.