But a “good one” present in current gen mmos takes a whole team to build.
At least pro modeller, pro rigger, animators and programmer are needed to implement correctly the large amount of assets created.
For the price they charge in Marketplace I think the quality is fair.
The things you see in BDO and alikes, the cost around that character creator, that is a lot of production value… The costs of that system alone could be used to fund multiple small indie games if taken developers wages into account.