Quote - So long as there are alternative female grown-up figures which can be used in situations where adult art is not the intention, it should be fine to proceed with creating a female figure for expressedly adult or mature art renders. 

I can't see what the problem is...

When photographers do fashion shoots that aren't porn, they don't insist the model remove their genitals first, just in case they get in the way. They just put clothes on them.

Seems like the easiest way to get a figure that has genitals to work well in non-erotic renders is to, urm, give 'er a pair o' knickers. :D

The boys would need some movement/squish morphs.

I'm all for anatomically correct figures purely on philsophical grounds. If the parts are visible in the nude body, it's strange to exclude them.

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PoserPro 2014, PS CS5.5 Ext, Nikon D300. Win 8, i7-4770 @ 3.4 GHz, AMD Radeon 8570, 12 GB RAM.