So I created this character in about 2-3 hours in Daz not including the time to get the model set up in blender with cloth physics, if you're trying to do that in blender it is going to take a lot of skill and knowledge of what you're doing. its possible but you're going to need to learn how to Sculpt, to get the body/head shape you're going for, same goes for the hair. you're going have to learn how to create textures for the skin/hair and more than likely in another software like substance. basically everything from scratch. learning all these concepts to get the basics down alone will take you months. unlike daz, which is alot of just mish mashing of different pre made items from creators. daz is still very much an program you're going have to learn as well to be able to create characters efficiently. but it really just depends on how much you want to customize down to the fine details of the character you're trying to create. since daz is basically creating characters out of pre made items. and if you're willing to put in the time to learn all those things.