This is the guy I created from the same process as I mentioned here… I find it the easiest but if you have problems in making clothes, there are some clothes inside makehuman as well but if you want your character to look good, you should make your own (PS - Its not that hard)… Also, Wings3D is great too ! And Plus, there’s sculptris too (I haven’t used it for clothes but its a great sculpting tool, AND its free 