Dear Keet, dear Captaincook, I have very bad news for you.
For Sweet Home 3D users it's good news. It adds another option to get exactly the 3D model you are looking for even if you can't find an existing 3D model and can't create it yourself. Professional creators will not be happy with this, now it's possible for every amateur to create great 3D models. The only caveat that remains is the single texture for the complete model. For simple models with mainly colors that can easily be fixed using Blender. For complex models with multiple complex textures it will be very difficult if not impossible to split the materials.
Maybe it's an option to "fix" photos with multiple complex textures before conversion to a 3D model. Edit the photo and replace the different textures with solid colors. After conversion this model is much easier to fix in Blender to assign separate materials. Then you can set appropriate textures in Sweet Home 3D.
How does a character (person) convert to a 3D model? A great way to get your favorite celebrity as a 3D model
If the trick with separating materials works it becomes easy to change the color/textures of the clothing, maybe even the color of the nail polish.
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