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

Yay, so I picked the right time to jump in, I guess.

Thank you, FrankieV, for the elaborated answer. I just downloaded the most recent Daz Studio and will try to play with it to see how it works out. Unfortunately I don’t have access to Max but I guess I’ll be able to find out how to use Blender to make some small adjustments and fixes, if needed at all.