Since making the images above I've improved some of the geometry, like in the knees & hands etc.
But anywhere, this is a fully rigged & textured character. It includes six objects, the body, hair, eyes, shirt, pants & footwear (scuffs). Each with multiple textures. The hair texture can also work as a bump map. (somehow forgot to enable that with the black & redhead for the sample images, my bad). Her face is rigged & simple to use, it may need to be redone for more advanced emotes. But it should be good for most things if you just want a character to pose/animate. Her pupils are there own object & can be covered by the eye lids. She can even close her eyes, kinda. There are body textures for a normal light skin tone, sun baked tone with tan lines & a red demon skin with tattoos. There are four shirt textures & you can make your own easily.
NOTE: The FBX file seems to of added bones & removed my head guides. Also I had to trim off some of the body polys of the 3ds file, because there's a vertex limit. The obj & 3ds files are of course not rigged, but they're there if you want them. Have fun!