I would even prefer to have a standard file format for " game " engines supporting just the strictly needed features
Obviously it should be kept updated with the progress of the hardware

About the packages I agree that Max or Maya etc supply some features which can be of use also for a game developer
For example in Fragmotion I badly miss the Ik curves
The point is the bedroom developers must quit since many people prefer to use warez products even though they can not exploit their power rather than a simple but game orientated software

In my opinion, if you must limit your model to 30 bones it is hard to expect a realistic human like movement, our body being fitted with thousand bones, regardless of the software you are using

Garbage in, garbage out