Well, this being in the spirit of a bucaneer forum and all...
Of course, if you want to go the 'legit' route, you'll need to acquire the various Daz Pro models (Vic Pro, Michael Pro) that have them, although the ones available via Renderotica are more interesting. You can use these on other figures once you have them, and the other models often (not always) have textures for said gens.
There's also Ghastly's 'member', and I seem to remember finding some simple female gens (basically a slit) via a google search.
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ShareCG is worth the trouble of registering IMHO, as is renderosity.com. Both sites have a number of freebies.
There's also dazfreebies.miraheze.org/, and I'm sure a few other sites. Google is your friend (type Daz plus whatever you are trying to find, maybe throw a free on the end...)
There may be better options, but I made do with those for a bit before acquiring a
pro bundle. It IS possible to use newer gens on older figures, and vice versa (Say Michael 8 on a Genesis 1, or older gens on a Gen 8), it just takes a bit of work. Of course, the newer ones are more interesting than the older ones.
Renderotica gens as I remember provide a LOT more options via morphs than the Daz ones do...