Mixamo/Fuse is a great way to get characters into T3D - its free, no strings attached. I have several hundred models downloaded and fully rigged with thousands of animations to choose from.
Not sure what the resistance is to this product or why it matters how you construct your character... what does matter is whether or not it works in T3D and how easily it can be accomplished - both of these are met easily with Fuse/Mixamo
Looking forward to your tutorial TorqueFan !
Note also - We should be pursuing several default characters - male and female, military as well as civ