That's because everyone's setup is different once they start modding their game folder. The biggest difference is gonna be found in the lighting setup. Most people use vanilla lighting, other use DHH, or GraphicsMod, and within them you have more settings to adjust the game to your taste. You can exchange those settings with dhs or presets files depending of the mod used.
If you want to push the customization even further, you can add overlays to you character to enhance textures and details. I think most authors don't include those overlays because they really inflate the size of the card itself (60MB+ card). My game looks exactly like my cards.
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compared to the stock card before my changes with stock textures, and stock lighting:
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