Is there a fantasy MMO out there with a costume creator - especially one that gives you broad option as to how your character dresses? I'm afraid that CoX's and CO's examples have spoiled me for the usual "fighters must wear armor; magic-users don't get armor" rigidity that everyone seems to have adopted from the D&D pencil-and-paper game. And all of the fantasy games that I've tried seem pretty much to skip the costume-selection part of the character creator completely, or just let you choose colors, at most.
(What I'd really like to do is to be able to dress an elementalist (fire, ice, lightning) magic-user in something resembling spandex, and so play a "superhero" in a fantasy setting, but I'm not holding my breath on THAT much costume freedom.)
https://www.heroforge.com/
Hero Forge isn't a game, it's a 3d modeling thing. You design your characters, and you can have them 3d printed and shipped to you! You can also just make an account and save a bunch of characters and take screenshots. It's a fairly robust character creator, and there are no (as far as I can tell) gender limited costume pieces or body parts. It has a number of genres, as well as mounts and poses and a lot of other cool stuff.
The closest I have gotten is FFXIV, and that is with the cumbersome glamour system (which is apparently getting redone soonish™).
((Yes, your class dictates what you can wear, but *within* reason, you can come up with something "relatively" good: Lara Croft (https://ffxiv.eorzeacollection.com/glamour/lara-croft)))
Also, you need to get your hands on the items first of all, but most of the decent stuff is generally easy to come by... even if you do have to buy stuff off the Market Board for it (but with the exception of "end game" or "items required for trade/craft quests", most of the stuff is pretty cheap overall)