No, I mean, just get a ready-made daz asset https://www.daz3d.com/shop
It's far cheaper than creating one from scratch. And from what it sounds, you want a naked model, which there is an abundance of in Daz and you can easily customize it with the gazillion of Daz's customization options.
What do you mean? They are absolutely available. I'm not sure if a detailed anus is in the official daz store (though nipples and vagina are). But you can find even more on renderotica and renderhub. Just Google golden palace in renderotica for example. A custom model is like what, 200-400$. On renderotica you get golden palace for like 15$ or something. And if you don't like golden palace there is a dozen nice alternatives
I'm talking about the fact that when I search for NSFW models in the shop you linked to, there are almost none (there are about 10 in total and none of them fit a pretty woman). So I can't choose.
When I type golden palace into Google, as you say, it basically throws up links to just genitals. But I need the complete model. I don't think I'll be able to download the models separately and the genitals separately and edit the skeleton and connect everything myself. Clothing is another matter, but this is quite complicated to make everything work properly.
there is no such thing as "nsfw model" on daz. You just pick any model you want and you attach anatomical elements to it. So every model can become an nsfw modle if you want. Daz is a character creator. You can pick and match things as you like. The genitals are a geograft. They get fused into the mesh automatically with a click, you don't need to do any mesh editing yourself. Just make sure that when you buy a model, it has a texture for anatomical elements listed in the product contents. Alternatively, if you go with golden palace, the textures are generated automatically.