My company includes designers who use FormZ and 3D Studio Max. I don't recall where they downloaded the 3D humans they use, but they are complex meshes with even more complex texture maps. They are, however, very realistic. As with many such third-party products, these are not made native for Vectorworks. I can, however, open the native files in either 3DS or FormZ (which I also use) and export them as .obj files to VW. This format conserves the texture maps and even loads them into Vectorworks