Have you seen this thread?
https://forum.game-guru.com/thread/209329
The character Kit files are located here:
Game Guru\Files\characterkit\bodyandhead
Do make backup copies to work on. This folder gets reset to default when updating and file verifying cache.
There is some other info about I will hunt for. But it uses 3ds max only.
The meshes are in x format and you will see naming patterns available.
I suggest copying a whole named group and then importing the x files into fragmotion. It does not destroy everything.
You can then change the mesh shape and adjust the textures as needed, export the finished ones back to x file, with a new name.
Setup the correct naming style for your new meshes and test them in the character creator.
If you dont mess with the bone rig, you should get good results.
Do expect Game guru to crash to you get used to it.
Do expect to have to try this a few times.
Do expect to get the hang of it after a few shots and then you will be on your way to what you want.
Now clothing like Rolfy did with the ghost are a whole different this. Also if your looking for the clothes to flow with physics, then Game Guru is not quite there. You will need to rig and animate the flow of your clothing. Just remember that your can have as many meshes in your character as your want, as long as each mesh is under 20,000 polygons.
Intel(R) Core(TM)2 Quad CPU Q6600 @ 2.40GHz, 2400 Mhz, 4 Core(s), 4 Logical Processor(s), 8gb RAM, Nvidia gtx660, Windows 7 Pro 64bit, Screen resolution 1680 x 1050.