I just recieved some exciting news from evolver.com
They're now offering fully rigged and textured character models for an introductory price of $39
($69 if you require facial animations)

It's a bit the avatar generator in The Sims, but you can export and use the model in your own projects.

http://www.evolver.com/

Check out the 'Transport/3D Pro' section for full export options like file formats, skeleton type etc