I previously used the example of creating and exporting a scene using FBX, but that is not the only thing you can do with it. In other words, FBX is not limited to exporting levels and environments. You can certainly create an fully animated character via FBX in order to import it into another application. Because FBX is not limited like 3DS or OBJ then you can do a lot with it. Perhaps the animated character model has more than one UV map, has a diffuse channel texture, a normal map texture, a bump map texture and a specular map texture. With FBX you could export out this model with all the animations as well as all the UV maps and all the separate textures.