Personally I go to dezgo (xl lightning or default xl) and just generate the portrait based on a character's basic description when I want to see what they look like, it generally handles most accessories and details well.
As for the in-game option... Yeah, I don't see that happening any time soon. If we look at the parallels, DoL always had an image system in mind, so it was designed to support it from the beginning, and even then it only handles the player character. FreeCities (specifically its PregMod branch) has various generators for creating full body representation for characters, but I imagine it's very complicated to port over with the necessary changes.
The best we can get is an option to add character portraits ourselves or something.