My condolences, friend. Did you ever try Champions Online? I dabbled in that for a bit and seem to remember character creation being absurdly robust.
I was in the beta for COH. I got City of Villains and Going Rogue as soon as they came out. When it went free to play I kept making the monthly payments for the VIP perks. The amount I played over the years fluctuated, but I never quit playing, right up until today.
I love City of Heroes.
Now its going and I'll have to look elsewhere for superhero MMO fun. I took a look at DC Online and was rather underwhelmed. Then again, I think just about every character creator has been spoiled for me by COH now.