I, personally, don’t like having to pay gems to customize. Even Episode official stories let us customize for free, and those stories are packed with gem choices. It’s your decision though. If you’re worried about the limb overlays/ethnicities, you can put warn the reader that those things won’t match, instead of making it cost gems. You can also put limited customization, so that the reader won’t be able to customize certain things but still have some control over what they look like.
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