Hi again, more newbie questions.

I've seen a lot of 3D models for sale on-line, can these character models be used as a player or are they just "stiffs"? It sure would cut down the time it takes to create characters/models. 2nd questions is, can you alter these models with a menu for the end user? For example can you change eye color, hair lenght, body type and so on?

Thanks again for all responses received in the past,

Noob65