Quote - It seems to me that if you're going to make a figure with proper genitals then you might as well do it properly! Otherwise do you have to make a series of figures with various degrees of anatomical accuracy?

 

From a technical standpoint, for making clothing, it makes more sense to make male bits detachable. But if more people used dynamic clothing that would not be nearly as much of an issue. The biggest issue is conforming clothes. It can still be done if the model is designed to take clothing but a simpler approach for the user and the clothing maker, is to make it a seperate conforming piece. It does make texture and materials a good bit more of a challenge though. 

For females, there's realy no technical reason not to include at the very least, a general shape and enough polys for a content artist to build whatever add-on morphs they want. Ok so don't include shape, just enough geometry. That shouldn't be offensive to anybody. 

 

~Shane