Iâll provide details for the heck of it.
Sims uses the same skeleton for all models in the same age category. They, however, use a TON of morphs, and switch to fat animation for walking if the model is overweight. They do not allow limb length difference or shoulder reposition.
Skyrim uses the same skeleton for both males and females as far as Iâm aware, so people binding skin replacement go to ridiculous lengths to modify the default skeleton. This reaches voodoo level. Not much customization aside from face, skin tone, and primary detail texture. It think there was some sort of chubbiness slider, though.
Same deal with fallout 4, where emaciated and fat raiders arenât a thing.
Fable provides multiple morphs for characters that change almost in real time, but⌠thereâs no adjustment for face, no adjustment for limb length, and limited number of sets. (Making them all work with body morphs was definitely a pain).
Saints Row offers fairly rich cloth options, and also allow character to morph between skinny, chubby and buff body types, but does not alter limb lengths (IIRC)
Dark SOuls⌠uses bone scaling, and heavily limits it. You actually canât make a Schwarznegger there, but can make the model chubbier.
UMA⌠uses bone scaling, rarely seen in the wild, because making morphs to work with default config is a pain. Iâve seen it in Empyrion (where it looks atrocious), and Iâve seen it in Blade and Sorcery (where it got replaced with a custom system to accomodate for more realistic avatar).
NOw, regarding DCC tools, Makehuman can rebind clothes, but not at runtime, and results require manual tweaking, as newly bound cloth does not properly account for change in shape if it is extreme. For example, if you take a dress designed for a skinny girl and put it on a âHulkâ type male, it is going to deform weirdly due to male having a pronounced muscle definition and six pack, meaning youâll now have polygons clipping through. A lot of them.
Gender, by the way matters. Or, rather, biological sex. As hormonal changes heavily affect the way the body is built, down to small details in face. Outliers exist, but usually unachievable without steroids.
However, the games portray such outliers, though frequently not for the player character. One example is Cyberpunk 2077 and Animals gang.