I have the same problem, Jered. If you have any luck, I'd love to hear about it.

So far, the best options (I *think*) that I've found are -

http://www.cubixstudio.com/ - the NPC male and the female both look good to me.

http://www.basilstudio.com/features.html - these look similarly good, but not quite as good to me.

Note: none of these are free - but they are low cost.