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Yes the Platinum Account discount includes the license fee. IE $500.00 = $350.00 and the commercial is $2500.00 = $1750.00. Keep in mind the license extension is “ONLY” required if you are planning of releasing the runtime assets as part of the game and is a one time payment that you can defer up to release day. You do not need the extension for rendered 2d elements, like sprite sheets, and does not require a purchase of an “export version” of any asset you purchased. It is of interest like all things that goes on sale from time to time the indie license has been know to go on sale for $100.00 so a good idea would be to put it on your wish list as Daz3d has been know to do per item sales
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Gets a bit tricky as UE4 has it’s own requirements but how things are imported can be done as an instance of a “master” character rig and most times one has to plan what kind of assets they need as part of a character construction.
For example if you export the G3 framework you can maintain the framework just like 3ds Max works the stack from the bottom up so if you make LOD0>LOD3 then each instance will maintain cluster rigging as well as morph targets. There are rigging tools so if you wish to restructure then I would assume that you can as this is what DS is intended to do as a tool.
The other side if you say have a set of hair assets you can rename the wold space root and can be exported as a stand alone asset with reduced bone count necessary to support and it will snap to the same base character in UE4 and you can make use of the pro hair materials from Epic with “good” results.
Overall exporting in Daz Studio is not really exporting but more like harvesting of a lot of different assets and bring the stuff into UE4 is just one option available depending on need.