Gave the same character sheet to 2 routes.
Both ended as a rigged, animated 3D character for a game.

Hunyuan3D on an 8 GB laptop GPU: $0 · ~4 min · ~40,000 tris · 23 bones
Tripo multiview: ~$0.60 · 40,000 faces · 24 bones + 2 cloth bones

The laptop gave softer faces and hands fused to whatever they hold.
Tripo cost 60 cents.

The thing that made both work: check the numbers, not the look.
Shoulder joint 3 cm too high = the whole sleeve stretches.
Arms up 90°: longest stretched edge 40x → 16x after weight rules.

Rig, weights, clips and export: free in Blender.

Full workflow below.