There is an other tool which can be of use for those who dont have either skill or time to create complex characters

DIGIMI by DAZ Studio

There are 3 modules : Decimator - Atlas - FBX exporter

You can import a model from the huge DAZ library , to reduce the number of polys, to create a texture suitable for a game engine (Atlas) , finally you export it to a FBX file

The beauty is that the package is optimized for the Daz models since all of them share the same UNI Mesh