Kudos to The Simpsons for creating the first internet avatar/doll maker to offer realistic body types! (Aimed at kids, no less!) The maker is also the first to offer Transgender options - Women can have facial hair and male features and vice-versa.
www.simpsonsmovie.com (Requires a good internet connection - heavy flash.)
Unfortunately, no real clothing choices... Apparently everyone in Springfield wears tee-shirts and slacks.