I don't think there are models yet that creates characters (or other stuff) with a good topology. At least for local use. Are you using Trellis? or cloud/premium models? I tried Hunyuan-3d in comfy and it creates good characters but at huge amounts of triangles, mostly unusuable for games, perhaps good for animations. In my last game/prototype i modelled a character from a existing mesh and draw the uv-atlas using Krita and SDXL. I think that's also usefull and time saving.
Still, those results are good looking.
Hope there may be models that generate good-coherent topo soon.