8 Reasons HUMANGEN is the best Blender Addon for Characters 

You can remove the underwear in the shader editor very easily

You can turn off/on this feature in the "SKIN" tab all the way at the bottom.

less then 150 bucks, no monthly and free updates

Not sure, I’ve never really dived into stylized characters before. I haven’t seen anything out there with this level of control for non “realistic” characters. I think because stylized characters are by their nature unique, having a tool like this would require a lot of customization anyway. The iClone tool set might come close but it’s not cheap

I only work in Blender so exporting a character doesn't really matter to me at all

I don’t have any of those things, why are you referring to?

68 bucks for personal use

Then don't buy it I guess, I'm not affiliated with Human Gen. But if you ever get to the point in your Blender journey where spending some money outweighs the time cost of building something from scratch then you'll find $70 is a bargain for what this addon does

It’s worth it though.