Even beginners, all modelers knows perfectly that creating characters is the most difficult part of this activity. Even if this is made by skilled persons, It takes hours, maybe weeks to have a suitable result
There is the perfect solution for those who are a bit lazy, or do want to have a test chararacter for their project quickly and easily.
Remember MakeHuman? Someone of the former team created a wonderfull Blender plugin:
Loads of templates available (even dwarves and elves !), loads of adjustable parameters. A great addition to Blender.
An example of correct licensing: