For the DAZ policy part... it's more... complicated. DAZ has no say on what your "art" is, as long as you can prove you legally own the assets used for the render. That includes Porn, btw and, let's face it, DAZ is fully aware of who gives them the big profits. The problem begins when you want to use these "assets" in games.
It doesn't matter if you're making a VN, using pre-rendered still and/or animations, or fully rigged characters in an action game. As long as it's a game, you need a special license for the assets used. Same goes for renderosity, was the same for RDNA, and, I'm fairly sure the same goes for renderotica as well (though, don't take my word for it, I've stopped being a frequent there long ago, shortly after they changed the site layout)