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I think you could let the player import 3d models from the internet, to use as skins, and play on internet maps, in obj format.

This is made in unreal engine with some heavy modification to run on VR of course, there is so much I want to do with the project. I will for sure look at adding some user customize options as mentioned. I will be re-visiting this project shortly and putting out an update, Any map suggestions? 

Hogwarts map Harry Potter