In terms of the new Daz Genesis tool... in the terms we're talking... anything you derive from this will be no more original than something derived from V4 or M4 or any of the figures from Smith Micro, or elsewhere.

The available licensing for using Genesis in a game context may be different from the licensing models offered for other figures. I don't know... not my area. Maybe it's no different... but yeah, it's not going to be royalty free to use in such a context.

In terms of using it in 2D renders, you're in exactly the same place, or a very similar place, in terms of originality versus derivation, that you'd be in using any of the earlier Daz figures, or any of the Smith Micro figures.

There are some open source options, like Antonia Polygon, too of course. That's always there to consider.

I'm not sure offhand what constraints or obligations there may be in Antonia's license relative to gaming? but as far as I understand it you'd be perfectly free to use her as a rigged starting point for creating another figure... am I right in understanding that?

If you're talking about competitions, for 2D imagery, made using 3D tools... if they expect you to make your own textures and brushes, by extension, I'd think they'd want you to make your own meshes.

However, that would be largely down to the specific rules and the person or people interpreting those rules, I guess... not some moral or philosophical ideas any of us might have ;)