"Again, I'm not concerned with people knowing what I used.  I need to know whatever I use will let me do what I want."

If you use V4 I think you're already doing the right thing, because if any figure is going to let you do what you want, it is V4 due to the amount of stuff available for her.  The only way to get more than that is to start modifying her with your own morphs and accessories.  To go further still is surely to create your very own figure, something that suits your ideals in every way.

Lot of work though, modelling, rigging, texturing, etc.