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.

I use either tripo or hunyuan.

if there's too much triangles, you need to decimate. 

usually always some editing is needed, like fingers vertices, mesh vertices and sometimes uv edit. then some weight painting for the rig.

Big fan of RAMSER SRLESLY

not planning to use them, so raw files available for free

50k tris obj file

https://drive.google.com/file/d/1GC3h0w3wnk23fS-PXY1ArMfwjIljxeAv/view?usp=drive...

chinese 1

italian mobster

future series: 

italian mobsters,  black/jamaican, yakuza in tracksuit. fishermen. bikers. ANY REQUEST?

starting hi-def yakuza models

yeah quite satisfied w quality

though retopo to 50k introduced artifacts  (which is easy to correct by text repaint)

800k  poly

https://www.mediafire.com/file/bs5uqonksqtey1b/angry+paws+bear+character+3d+mode...

free TPI