I think it'd be a very good use of time to make the player model in source have different parts, which disappear when you wear armor (as its supposed to in MSC). But, you can take this a step farther!
The idea would entail a character creation screen similar to the current one, only you would be able to choose things in this order:
Male or Female?
Head type? (1)(2)(3)(4) [with pictures, bald]
Hair type? (1)(2)(3)(4) [pictures with head shown too]
Body type? (1)(2)(3)(4) [pictures of full body shown, default clothes]
Clothing? (colors) [changes the color of thier garments, just different skins]
This way, not everyone would look the same! you actually have 128 choices, discluding colors! and of course, since you're just modelling parts...you only have to make a fraction of that many models!
The idea would entail a character creation screen similar to the current one, only you would be able to choose things in this order:
Male or Female?
Head type? (1)(2)(3)(4) [with pictures, bald]
Hair type? (1)(2)(3)(4) [pictures with head shown too]
Body type? (1)(2)(3)(4) [pictures of full body shown, default clothes]
Clothing? (colors) [changes the color of thier garments, just different skins]
This way, not everyone would look the same! you actually have 128 choices, discluding colors! and of course, since you're just modelling parts...you only have to make a fraction of that many models!