I can't say which is the best, because I don't know what your criteria for best is, but Lafemme, Project Evolution, and Sasha for v4 all have genitalia.

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Available on Amazon for the Kindle E-Reader Monster of the North and The Shimmering Mage

Today I break my own personal record for the number of days for being alive.
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I use Poser 13 and win 10