Modern, indie-friendly, full featured character creation pipeline - is it a utopia?

I seen some claim poser gone down hill over the years. I seen the 175 price tag and thought “buy the time I by ethnic pack, decimator and some morph packs for Daz I would have spent 175.”

Do you use decimator for your daz models or are the tools in UE 4 good enough? Also what ethnic pack if any are you using? I found the one on Daz but its pretty old and says daz4.9 and genesis.