Definetly looked into it, and there is no realy easy, ready made solution to this problem. Well except all the awsome stuff on SmutBase, which is free, but you need to know a good amount of blender and unity mechanics to make those rigs (many are pretty advance) compatable with unity
The best I can find have been at the very least, rigged and ready nude female modes one one of those sites where you can buy 3d models. I have thought about it, but I am more for free things, or at least a lot of bang for my buck. Most other solutions, if you want more customizablity so you can make more characters or have greater control over how they look, you will probably need to learn how to use blender.
In fact, even if you found ready made 3d characters, you would still need to use blender. This is because you can use blender for animating (as well as 3d modeling, making rigs to animate with, etc.), infact some may say you must use blender since it would be nearly impossible to find ready made animations to go with the characters rig, because it can be expected that the rig is custom and not compatable with other animations made for other rigs. Myself and others I have asked in these forums agree that using blender is the most stable way of getting animations into unity. Unity can import things like .FBX models, but it is not perfect. With blender you can make animations, and export it with the .fbx model and import that into unity, but unity also supports just saving a .blend file into the game’s asset folder, and it can import it directly as a .blend, and many of us find that this is more stables (.fbx has a habit of losing animations or forgeting the rest pose thus ruining all other animations).
Getting back to the topic of just getting 3d models. At the very least if you find some, using blender is a good way of re sculpting them to your liking. Recently I have started to play with a program called MakeHuman, it is free at a tool to allow you to make characters quickly (tries to stay accurate). You can look into proxies and new targets for this program (things to download to give your program more power, such as alowing nude models for males and females with genitals for both). You can even get a series of Unity ready skeletons and the program will auto rig it for you, as well as clothes, to make it easy. Export it as .fbx, import into blender, and animate in blender and save the file in unity assets (per game) and now you have characters.
At least this is what I have been playing with or have played with.
Basically, if you are going to do anything 3d and unity related, blender is going to be at the center of all your solutions.
