the character building is fun, getting it all to the play nice in the game engine is the pita. The MC is like a paper doll, with layers on top for all the clothes etc, multiply this by the poses etc, gets complicated ;) thanks for the ideas, suggestions, and for playing!
if you don't want to worry about making the character's clothes baggier, shrinking should work fine by a scale modifier, shouldn't it? Even in the engine, not the rendering.