I don't know if this will help, but I can attest to the fact that starting with V 11.2 there is no longer an option on one of the drop down lists to show genitals. My thought was that so many 3D artists use genitals on their models now that the restriction was removed altogether.

That said, there are some bundled Poser models (mostly male) that have genital options, separately listed in the same library, as an add-on. Not sure about the female models, except I think LaFemme Pro includes genitalia. Sorry I'm not more help but I only use DAZ V4/M4 models in Poser.

So start exploring the various Poser-included people and see what you can find!