Victoria 4 is probalby the best supported figure available.   People have been making things for her for almost a decade!   But I don't believe she's free, and the majority of the items that support her are also not free.

If you have any version of Poser, there are a  handful of free characters with clothing and hair you can experiment with.   They're not as nice as the Daz People, but the do fit your first criteria  of Free.

;>

Andy!