I do 3d modeling and animation as a hobby and it is a lot of work to create a game character, especially a main character. If your time and budget are limited, I can understand making decisons that result in less diversity, whether that is including additional sexes, humanoids, characters, or variety within each type. There is a reason why most games only have a couple of different body types for most characters and NPCs, and a lot of samey looking heads (especially for NPCs). And most of the variety happens at the texture level, not the model level. This stuff is not easy, especially if you want to do it well.