1. A system comprising a processing unit for automatically generating an animation-ready 3D character model in response to user defined model parameters and clothing selection, comprising: an application server system configured to receive user defined model parameters that describe anatomical characteristics of a specific 3D anatomical mesh and at least one clothing selection via a user interface; wherein the application server system is configured to: automatically generate a 3D anatomical mesh using a generative model and the anatomical characteristics from the user defined model parameters wherein the generative model is generated from a set of example 3D anatomical meshes having labeled anatomical characteristics and polygon correspondence with one another and maps the anatomical characteristics to each of the set of example 3D anatomical meshes and wherein the 3D anatomical mesh is generated from within a space defined by interpolations and extrapolations of the set of example 3D anatomical meshes and has polygon correspondence with the set of example 3D anatomical meshes, automatically select a clothing mesh template from a set of clothing mesh templates maintained by the application server system based upon the at least one clothing selection received wherein each of the clothing meshes in the set of clothing meshes includes a clothing mesh having polygon correspondence with the example 3D anatomical meshes, a template skeleton, and skinning weights, and apply the selected clothing mesh template to the generated 3D anatomical mesh to generate an animation-ready 3D character model.