The rendered images are finished in post work, either a 3rd party 2D program or specialized comic format software.  That is where dialog/thought bubbles and captions are added.  Someone else more familiar with comic software can point you in the right direction.

As for genitalia, most should have an enlargement morph or a set of morphs designed for a different model.  If that is the case, you may need to adjust, move and parent such figures to your desired character.