Daz3D, poser, iclone, geneziz, persona and others

So, what are they? Are they all made by the same company and divided functionality into multiple packages to get more money?
I need to create some realistic characters with penises and Iclone’s char creator isn’t good enough for that matter as it doesn’t have penises

What would you recommend me?
What are some not rip-off solutions for making 3D characters?