Mirrorlabs Skin Creator
Mirrorlabs have created a flash based skin creator for second life.
It’s easy to use, but you have to pay to get the non-demo version – and I haven’t been into SL to see how much it costs (oddly enough it doesn’t tell you on the website). Perhaps someone could try it and let us know.
The pics below are of the demo version, and notice you don’t get the option of choosing your pubic hair or nipples – and they’re pixilated out in this demo. It’s female only -perhaps male is still to come. And the final pics are 512×512.