Well I stumble upon a beauty of a program called Make Human. If you’ve ever played a game that uses a character creation tool with flexible presets eg. cheekbone shape in Oblivion or Saints Row. After you create a likeable thing you can save the obj file for importing using Blender.
After tweeking with the settings (dam its good) I created a person which I then textured and rigged in Blender (although I have not tried using the obj file in maya) I also used a quick particle system for the hair.8)
I will also add that If you are using Blender, when you import the obj file you will have to sub-surf to get the smoothness again. I also recommend if you are rigging the object to create the bone from closest bone heat!
Blender scares me so I’ve been using Cheetah3D. Does anyone know if it’s possible to import the object in Cheetah, animate it in Cheetah, then import it into Unity?