Jay Versluis (AKA The WP Guru) has started a monthly community render challenge. https://www.versluis.com/challenge/
October's topic is "Fluffy." Originally I was going to go all out and model the girl from Despicable Me, but I'm bogged down with a Halloween project so I had to abandon my dreams. In the end, I went with the tried and true "sexy white girl showing lots of skin." It's always a crowd-pleaser. To my credit, though, she does seem to like her fluffy clothing.
This was all done in Character Creator 4. The character, Linda, was one I had created some time ago from a headshot picture of an A.I.-generated photo.