Y�know, Daz is a good program n� all. But frankly, it�s got it�s limits. What you do is you take a blank character, inject morphs to change the shape of it�s body parts. then you mix and match various clothing, hair and other props until you get the desired results, or as close to it as you can. (sorta like a Mr. potato head if you think about it)
What I think Daz should do is have a service for custom character creation. Where you simply give them the parameters of what you want and they make it for you. It probably won�t b cheap. But I think it�s a good idea.