I tried creating a male figure using MakeHuman, an app which is more a of a human figure generator than a modelling app per se, and which is a plug-in for Blender.   I ran into problems importing the mesh into Poser and rigging it.  Based on my experience, I tend to agree with Tomsde's analogy of the difference between buying a car from a second hand dealer versus building one yourself.

Eternal Hobbyist