If you do it like a Poser figure, use a NURBS process to end up with a smoothly integrated figure, convert it to a vertex object (wavefront.obj file), name groups of polygons, apply parametric mapping. It's difficult to model body parts separately and then be sure they'll fit together well at the seams. If you use Carrara and create a basic shape like that, you can still select groups of polygons in the Vertex Modeller and name them. I don't know how to animate such a figure in Carrara (maybe using the Morpher extension), but it's S.O.P. to animate it in Poser.