Well the easiest option with the most flexibikity would be to create a few simple avatars, and the toy example would fit best for this, and then get people to paint them themselves. This 3d platform has retexturing of the avatars if the maker has allowed it. However, that would involve a...
I've been working in 3d for ... a long time. And lately I've been playing with a particular VR platform that is promising, doesn't require fancy hardware (ie. a headset, although you can use one) other than a computer or a mobile device. Users can enter these worlds and choose from a variety...